STEPS MONTESSORI OF SAGINAW INC (EIN 382474214) - 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

1983

Principal Officer

RACHEL SEAVER

Phone

9897923499

Tax Period

2023-09-01 to 2024-08-31

STEPS MONTESSORI OF SAGINAW INC, founded in 1983, is a small nonprofit that reported $400K in total revenue in fiscal year 2023. Revenue surged 46% from the prior year, signaling strong growth momentum.

Mission

PRESCHOOL EDUCATION

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $388,986

Investment Income $6,410

Other Revenue $4,785

TOTAL REVENUE $400,181

Expense Breakdown

Grants Paid $0

Salaries & Benefits $305,640

Fundraising Expenses $0

Program Expenses $359,600

Other Expenses $111,710

TOTAL EXPENSES $417,350

Year-over-Year Comparison

	2023	2022	Change
Revenue	$400,181	$274,898	+0.5%
Expenses	$417,350	$327,055	+0.3%
Net Income	$-17,169	$-52,157	-0.7%

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

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

$17,061

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBRA DUDEWICZ	EXECUTIVE DI	18.00	Director	$17,061	$0	$17,061
YOLANDA BIDWELL	DIRECTOR	1.00	Director	$0	$0	$0
IESHA COPELAND	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
TESSA DAKE	DIRECTOR	1.00	Director	$0	$0	$0
MARK GRESKOWIAK	TREASURER	1.00	Officer Director	$0	$0	$0
RACHEL SEAVER	PRESIDENT	1.00	Officer Director	$0	$0	$0
CASEY STEVENS	SECRETARY	1.00	Officer Director	$0	$0	$0
DANIELLE WERNER	DIRECTOR	1.00	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	No data	No data	No data	No data
2024	$400,181	$417,350	$442,933	$-17,169
2023	$274,898	$327,055	$459,066	$-52,157
2022	$516,263	$331,105	$511,546	$185,158
2021	$281,791	$232,587	$325,959	$49,204
2020	$165,727	$170,452	$308,454	$-4,725
2019	$195,971	$232,379	$281,479	$-36,408
2018	$226,835	$205,620	$324,177	$21,215

STEPS MONTESSORI OF SAGINAW INC