Crystal Lake Montessori School

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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

1985

Legal Domicile

Principal Officer

Gwendolyn Harris

Phone

8153380013

Tax Period

2024-08-01 to 2025-07-31

Crystal Lake Montessori School, founded in 1985, is a community nonprofit in the Education sector that reported $1.8M in total revenue in fiscal year 2024. Expenses of $1.7M left a modest 5% surplus.

Mission

To provide a peaceful, respectful, and enriched educational environment where children are helped to develop themselves emotionally, socially, physically, and intellectually towards reaching their full potential.

Program Service Accomplishments

Program 1

Expenses: $1,213,009 Revenue: $1,769,307

Educational - preschool through 8th grade program which provides an enriched environment for children ages through 14 to develop psychological, social, physical and intellectual skills to their...

Educational - preschool through 8th grade program which provides an enriched environment for children ages through 14 to develop psychological, social, physical and intellectual skills to their fullest extent.

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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 (2024)

Revenue Breakdown

Contributions & Grants $33,975

Program Service Revenue $1,769,307

Investment Income $11,288

Other Revenue $761

TOTAL REVENUE $1,815,331

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,241,246

Fundraising Expenses $615

Program Expenses $1,213,009

Other Expenses $487,432

TOTAL EXPENSES $1,728,678

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,815,331	$1,776,359	+0.0%
Expenses	$1,728,678	$1,960,740	-0.1%
Net Income	$86,653	$-184,381	-1.5%

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

Employees

Volunteers

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

$126,933

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Gwen Harris	Head of School	040.00	Officer	$93,600	$0	$93,600
Danielle Wellbank	Co Head of School	040.00	Officer	$33,333	$0	$33,333
Savi Nageswaran	President	001.75	Officer Director	$0	$0	$0
Matt Chiappetta	Treasurer	001.75	Officer Director	$0	$0	$0
Kirk Hiatt	Board Member	001.50	Director	$0	$0	$0
Jenna Goldsmith	Board Member	001.50	Director	$0	$0	$0
Lisa Rossi-Moser	Board Member	001.50	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	$1,815,331	$1,728,678	$1,882,539	$86,653
2024	No data	No data	No data	No data
2023	$1,950,335	$2,119,766	$1,839,359	$-169,431
2022	$2,090,283	$1,789,147	$1,720,378	$301,136
2021	$1,478,701	$1,438,260	$3,111,069	$40,441
2020	$1,522,449	$1,522,204	$2,523,532	$245
2019	$1,218,410	$1,229,468	$1,386,948	$-11,058