OTSEGO CHRISTIAN SCHOOL ASSOCIATION (EIN 382903340) - 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

Principal Officer

KARL JOHNSON

Phone

9897328333

Tax Period

2024-08-01 to 2025-07-31

OTSEGO CHRISTIAN SCHOOL ASSOCIATION is a community nonprofit in the Education sector that reported $2.4M in total revenue in fiscal year 2024. The organization ran a surplus of $1.3M, a strong 56% operating margin.

Mission

TO DESCIPLE STUDENTS IN COOPERATION WITH BIBLE-BELIEVING CHRIST-CENTERED FAMILIES AND CHURCHES. TO SERVE AS MEMBERS IN THE BODY OF CHRIST AND SOCIETY.

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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 $1,680,372

Program Service Revenue $708,379

Investment Income $0

Other Revenue $19,797

TOTAL REVENUE $2,408,548

Expense Breakdown

Grants Paid $0

Salaries & Benefits $713,811

Fundraising Expenses $0

Program Expenses $1,027,670

Other Expenses $345,204

TOTAL EXPENSES $1,059,015

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,408,548	$2,531,639	0.0%
Expenses	$1,059,015	$1,218,728	-0.1%
Net Income	$1,349,533	$1,312,911	+0.0%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GLEN CATT	BOARD MEMBER	N/A	Officer	$0	$0	$0
PATRICK CHILDERS	TREASURER	N/A	Officer	$0	$0	$0
NICK FORREST	VICE PRESIDE	N/A	Officer	$0	$0	$0
AMY HARJALA	BOARD MEMBER	N/A	Officer	$0	$0	$0
STEPHANIE JACOBSON	SECRETARY	N/A	Officer	$0	$0	$0
KARL JOHNSON	PRESIDENT	N/A	Officer	$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	$2,408,548	$1,059,015	$3,552,790	$1,349,533
2024	No data	No data	No data	No data
2023	$931,053	$936,601	$724,945	$-5,548
2022	$765,183	$620,037	$749,992	$145,146
2021	$427,245	$420,428	$588,425	$6,817
2020	$237,845	$265,523	$585,793	$-27,678
2019	$298,130	$320,363	$614,454	$-22,233

OTSEGO CHRISTIAN SCHOOL ASSOCIATION