Southwest Chicago Christian School Association (EIN 363590627) - 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

1918

Legal Domicile

Principal Officer

RITA MILTZOW

Phone

7083887656

Tax Period

2024-08-01 to 2025-07-31

Southwest Chicago Christian School Association, founded in 1918, is a mid-sized nonprofit in the Education sector that reported $17.5M in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. Expenses of $20.4M exceeded revenue, resulting in a 17% operating deficit.

Mission

Christian education preK-12

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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 $6,833,021

Program Service Revenue $10,168,892

Investment Income $398,381

Other Revenue $125,128

TOTAL REVENUE $17,525,422

Expense Breakdown

Grants Paid $0

Salaries & Benefits $9,043,411

Fundraising Expenses $0

Program Expenses $19,941,320

Other Expenses $11,390,974

TOTAL EXPENSES $20,434,385

Year-over-Year Comparison

	2024	2023	Change
Revenue	$17,525,422	$18,716,069	-0.1%
Expenses	$20,434,385	$12,879,646	+0.6%
Net Income	$-2,908,963	$5,836,423	-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

213

Volunteers

175

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

$204,147

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Priscilla DuBois	Director	3.00	Director	$0	$0	$0
David Gabrielse	President	3.00	Officer Director	$0	$0	$0
Rita Miltzow	Treasurer	3.00	Officer Director	$0	$0	$0
Dan Vander Plaats	Secretary	3.00	Officer Director	$0	$0	$0
Peter Kamp III	Director	3.00	Director	$0	$0	$0
Jon VanDyk	Director	2.00	Director	$0	$0	$0
Irene Buikema	Vicar	2.00	Officer Director	$0	$0	$0
Cindi Riemersma	Director	2.00	Director	$0	$0	$0
Kyle Reynhout	Director	2.00	Director	$0	$0	$0
Jennifer Kowalczyk	Director	2.00	Director	$0	$0	$0
Jordan Hamstra	Director	2.00	Director	$0	$0	$0
Matt Postema	Director	2.00	Director	$0	$0	$0
Curt Marcus	Vice President	2.00	Officer Director	$0	$0	$0
Pauline Sterenberg	Director	2.00	Director	$0	$0	$0
Mark Hamstra	Superintendent	50.00	Highest	$180,833	$0	$180,833
Nate Pettinga	Principal	50.00	Key Emp	$102,333	$0	$102,333
Mike Drury	Principal	50.00	Key Emp	$101,814	$0	$101,814

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	$17,525,422	$20,434,385	$10,016,217	$-2,908,963
2024	$18,716,069	$12,879,646	$11,181,517	$5,836,423
2023	$11,690,621	$11,690,951	$5,710,396	$-330
2022	$11,042,258	$11,119,028	$5,568,407	$-76,770
2021	$11,738,171	$10,809,771	$6,129,266	$928,400
2020	$10,398,582	$10,402,020	$6,324,037	$-3,438
2019	$10,519,856	$11,427,627	$4,716,420	$-907,771
2018	$11,158,129	$11,481,456	$6,252,060	$-323,327

Southwest Chicago Christian School Association