CALVERT EDUCATION ASSOCIATION INC (EIN 521055500) - 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

1971

Legal Domicile

Principal Officer

JASON OATES

Phone

4105352518

Tax Period

2024-09-01 to 2025-08-31

CALVERT EDUCATION ASSOCIATION INC, founded in 1971, is a small nonprofit that reported $326K in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion.

Mission

TO REPRESENT MEMBERS WITH REGARD TO WORKING CONDITIONS, WORK CONSISTENTLY FOR THE WELFARE OF THE TEACHERS AND PUPILS OF CALVERT COUNTY.

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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 $323,983

Program Service Revenue $0

Investment Income $1,674

Other Revenue $0

TOTAL REVENUE $325,657

Expense Breakdown

Grants Paid $0

Salaries & Benefits $84,233

Fundraising Expenses $0

Program Expenses $222,920

Other Expenses $243,804

TOTAL EXPENSES $328,037

Year-over-Year Comparison

	2024	2023	Change
Revenue	$325,657	$281,258	+0.2%
Expenses	$328,037	$320,216	+0.0%
Net Income	$-2,380	$-38,958	-0.9%

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
KATHRYN WOLBER	DIRECTOR	001.00	Director	$0	$0	$0
JEANETTE GIONFRIDDO	DIRECTOR	001.00	Director	$0	$0	$0
CHELSEA GALLIHUGH	DIRECTOR	001.00	Director	$0	$0	$0
PAMELA MACKALL	DIRECTOR	001.00	Director	$0	$0	$0
JASON OATES	PRESIDENT	040.00	Officer	$0	$0	$0
LYNDA HAMPSIRE	VICE PRESIDENT	003.00	Officer	$0	$0	$0
DEANNA COUGHLIN	SECRETARY	003.00	Officer	$0	$0	$0
AMY HAMILTON	TREASURER	001.00	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	$325,657	$328,037	$413,152	$-2,380
2024	$281,258	$320,216	$401,433	$-38,958
2023	$262,340	$260,915	$438,025	$1,425
2022	$258,809	$260,589	$441,532	$-1,780
2021	$263,543	$240,142	$443,348	$23,401
2020	$251,426	$253,550	$416,730	$-2,124
2019	$245,134	$261,668	$418,242	$-16,534
2018	$250,564	$242,554	$435,276	$8,010

CALVERT EDUCATION ASSOCIATION INC