CAMBRIDGE CHRISTIAN 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

1978

Legal Domicile

Principal Officer

GARRETT ESTENSON

Phone

7636893806

Tax Period

2024-07-01 to 2025-06-30

CAMBRIDGE CHRISTIAN SCHOOL, founded in 1978, is a community nonprofit in the Education sector that reported $1.7M in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year.

Mission

Community Betterment:Cambridge Christian School partners with parents in preparing students academically, relationally, and spiritually to live out Gods plan in their lives.

Program Service Accomplishments

Program 1

Expenses: $1,570,316 Revenue: $1,317,718

Cambridge Christian School partners with parents in preparing students academically, relationally, and spiritually to live out Gods plan in their lives.

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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 $383,430

Program Service Revenue $1,316,453

Investment Income $1,265

Other Revenue $0

TOTAL REVENUE $1,701,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,252,531

Fundraising Expenses $30,925

Program Expenses $1,570,316

Other Expenses $594,561

TOTAL EXPENSES $1,854,494

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,701,148	$1,917,330	-0.1%
Expenses	$1,854,494	$1,977,639	-0.1%
Net Income	$-153,346	$-60,309	+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

200

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	Role	Reportable Comp	Other Comp	Total
GARRETT ESTENSON	BOARD CHAIR	Director	$0	$0	$0
TRENT PEPPER	VICE CHAIR	Director	$0	$0	$0
JODI CHRISTIANSON	Secretary	Director	$0	$0	$0
RACHEL VANANDA	BOARD MEMBER	Director	$0	$0	$0
TIM HOLMBERG	BOARD MEMBER	Director	$0	$0	$0
JUSTIN DOMINO	BOARD MEMBER	Director	$0	$0	$0
JOHN NEWTON	BOARD MEMBER	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	$1,701,148	$1,854,494	$5,538,105	$-153,346
2024	$1,917,330	$1,977,639	$5,485,485	$-60,309
2023	$2,518,543	$2,339,154	$5,665,928	$179,389
2022	$2,996,133	$1,932,107	$2,845,826	$1,064,026
2021	$1,251,914	$1,358,885	$1,872,429	$-106,971
2020	$1,089,466	$1,060,805	$2,047,638	$28,661
2019	$1,110,175	$1,089,116	$1,968,336	$21,059
2018	$1,221,578	$1,180,865	$2,022,381	$40,713