UNDER THE RAINBOW EARLY EDUCATION CENTER (EIN 411822820) - 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

1995

Legal Domicile

Principal Officer

MICHELLE FINHOLDT

Phone

6513886433

Tax Period

2024-01-01 to 2024-12-31

UNDER THE RAINBOW EARLY EDUCATION CENTER, founded in 1995, is a community nonprofit in the Human Services sector that reported $1.6M in total revenue in fiscal year 2024. Revenue fell 28% from the prior year — a significant decline worth monitoring.

Mission

OPENING THE PATHWAY TO ALLOW CHILDREN TO GROW, LEARN AND DEVELOP TO THEIR FULL POTENTIAL.

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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 $136,723

Program Service Revenue $1,472,180

Investment Income $-4,168

Other Revenue $0

TOTAL REVENUE $1,604,735

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,327,493

Fundraising Expenses $70,593

Program Expenses $1,486,859

Other Expenses $407,738

TOTAL EXPENSES $1,735,231

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,604,735	$2,227,177	-0.3%
Expenses	$1,735,231	$1,656,679	+0.0%
Net Income	$-130,496	$570,498	-1.2%

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

$126,688

Total Directors

$126,688

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE FINHOLDT	CHAIRMAN	40.00	Officer Director	$126,688	$0	$126,688
BOB KUBES	TREASURER	2.00	Officer Director	$0	$0	$0
DAVE MUELKEN	DIRECTOR	2.00	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
2024	$1,604,735	$1,735,231	$1,346,806	$-130,496
2023	$2,227,177	$1,656,679	$1,580,059	$570,498
2022	$1,443,467	$1,469,377	$954,956	$-25,910
2021	$1,258,850	$1,376,545	$1,025,983	$-117,695
2020	$1,306,338	$1,170,504	$1,147,631	$135,834
2019	$1,267,231	$1,146,411	$1,108,270	$120,820
2018	$1,121,272	$970,043	$1,048,801	$151,229

UNDER THE RAINBOW EARLY EDUCATION CENTER