CALVARY ONLINE SCHOOL (EIN 463110493) - 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

2013

Legal Domicile

Principal Officer

JARED BECK

Phone

7604814329

Tax Period

2024-07-01 to 2025-06-30

CALVARY ONLINE SCHOOL, founded in 2013, is a small nonprofit in the Education sector that reported $926K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year.

Mission

CALVARY PREPARATORY ACADEMY PROVIDES STATE-OF-THE-ART COLLEGE PREPARATORY CLASSES TO STUDENTS IN ALL FIFTY STATES AND ABROAD IN A FLEXIBLE ACCOMODATING VIRTUAL ENVIRONMENT; ENABLING STUDENTS ACCESS TO AN INNOVATIVE CHRISTIAN EDUCATION REGARDLESS OF GEOGRAPHIC BARRIERS.

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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 $0

Program Service Revenue $922,117

Investment Income $4,203

Other Revenue $0

TOTAL REVENUE $926,320

Expense Breakdown

Grants Paid $0

Salaries & Benefits $835,264

Fundraising Expenses $0

Program Expenses $793,131

Other Expenses $159,265

TOTAL EXPENSES $994,529

Year-over-Year Comparison

	2024	2023	Change
Revenue	$926,320	$1,094,097	-0.2%
Expenses	$994,529	$1,117,635	-0.1%
Net Income	$-68,209	$-23,538	+1.9%

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
RICHARD R RAHER	ADMINISTRATOR	1.00	Director	$0	$0	$0
LYNN GUARNEROS	BOARD MEMBER	2.00	Director	$0	$0	$0
SCOTT MALONE	BOARD MEMBER	1.00	Director	$0	$0	$0
NEIL SPENCER	BOARD MEMBER	0.00	Director	$0	$0	$0
JARED BECK	PRESIDENT	48.00	Officer	$0	$0	$0
Joseph Kniseley	SecretaryFinancial Officer	0.00	Officer	$0	$0	$0
James Stretchberry	Vice President	0.00	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	$926,320	$994,529	$265,670	$-68,209
2024	$1,094,097	$1,117,635	$353,327	$-23,538
2023	$1,086,552	$1,113,106	$380,958	$-26,554
2022	$1,180,601	$1,038,933	$446,873	$141,668
2021	$1,148,681	$912,286	$313,731	$236,395
2020	$565,155	$555,655	$128,690	$9,500

CALVARY ONLINE SCHOOL