CREATIVE EDUCATION INSTITUTE INC C/O CAROLE K RICHARDS (EIN 341731515) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1992

Legal Domicile

Principal Officer

CAROLE RICHARDS

Phone

4409140200

Tax Period

2025-01-01 to 2025-12-31

CREATIVE EDUCATION INSTITUTE INC C/O CAROLE K RICHARDS, founded in 1992, is a micro nonprofit in the Education sector that reported $14K in total revenue in fiscal year 2025. Revenue fell 70% from the prior year — a significant decline worth monitoring. Expenses of $21K exceeded revenue, resulting in a 48% operating deficit.

Mission

RAISE LITERACY LEVELS

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $13,857

Program Service Revenue $0

Investment Income $17

Other Revenue $0

TOTAL REVENUE $13,874

Expense Breakdown

Grants Paid $1,600

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $20,517

Other Expenses $18,917

TOTAL EXPENSES $20,517

Year-over-Year Comparison

	2025	2024	Change
Revenue	$13,874	$46,337	-0.7%
Expenses	$20,517	$38,925	-0.5%
Net Income	$-6,643	$7,412	-1.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

Employees

N/A

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

⚠ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LINNEA SMITH	SECRETARY	1.00	Director	$0	$0	$0
CAROLE K RICHARDS	PRESIDENT	8.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	$13,874	$20,517	$13,030	$-6,643
2024	$46,337	$38,925	$19,673	$7,412
2023	$40,328	$34,403	$12,261	$5,925
2022	$17,975	$32,989	$6,336	$-15,014
2021	$38,729	$81,494	$21,350	$-42,765
2020	$1,220	$101,054	$62,352	$-99,834
2019	$1,367	$8,657	$162,186	$-7,290
2018	$5,485	$27,809	$169,476	$-22,324

CREATIVE EDUCATION INSTITUTE INC C/O CAROLE K RICHARDS