CREATIVE LEARNING INC

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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

1977

Legal Domicile

Principal Officer

WILLIAM J KRUVANT

Phone

2027222106

Tax Period

2023-10-01 to 2024-09-30

CREATIVE LEARNING INC, founded in 1977, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $1.7M exceeded revenue, resulting in a 17% operating deficit.

Mission

CREATIVE LEARNING (CL) ENHANCES THE CAPACITY OF LOCAL ORGANIZATIONS AROUND THE WORLD TO IMPROVE THE LIVES OF PEOPLE IN THEIR COMMUNITIES, FOCUSING ON COMMUNITIES WITH PRESSING HUMAN NEEDS. THROUGH THE CREATION OF PEOPLE-TO-PEOPLE PARTNERSHIPS, CL IS ESPECIALLY DEDICATED TO PROTECTING HUMAN RIGHTS, SUPPORTING ECONOMIC AND SOCIAL DEVELOPMENT, BUILDING PEACE, AND EMPOWERING PEACEMAKERS.

Program Service Accomplishments

Program 1

Expenses: $1,005,633 Revenue: $8,112

HANDMADE TO MARKET (FORMERLY AID TO ARTISANS) CREATES OPPORTUNITIES FOR LOW-INCOME ARTISANS AROUND THE WORLD TO BUILD PROFITABLE BUSINESSES INSPIRED BY HANDMADE TRADITIONS. HANDMADE TO MARKET OFFERS ACCESS TO NEW MARKETS, BUSINESS TRAINING, ECO-EFFECTIVE PROCESSES, AND DESIGN INNOVATION THROUGH A NETWORK OF PARTNERS TO PROMOTE SUSTAINABLE GROWTH AND COMMUNITY WELL-BEING.

Program 2

Expenses: $106,612

PEACE & SECURITY FOCUS AREA FACILITATES THE TRANSFER OF KNOWLEDGE AND SKILLS TO A GLOBAL AUDIENCE FROM THE WORLD'S PREMIER POLITICAL LEADERS, ACADEMIC EXPERTS, PRACTITIONERS, AND ADVOCATES. IPSI...

PEACE & SECURITY FOCUS AREA FACILITATES THE TRANSFER OF KNOWLEDGE AND SKILLS TO A GLOBAL AUDIENCE FROM THE WORLD'S PREMIER POLITICAL LEADERS, ACADEMIC EXPERTS, PRACTITIONERS, AND ADVOCATES. IPSI DEVELOPS COMPREHENSIVE TRAINING PROGRAMS, ADVANCES SCHOLARLY RESEARCH, AND PROMOTES EFFORTS TO RAISE PUBLIC AWARENESS OF PEACE AND SECURITY ISSUES. IT IS FOUNDED ON THE CORE BELIEF THAT EDUCATION CAN MITIGATE VIOLENT CONFLICT.

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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 (2023)

Revenue Breakdown

Contributions & Grants $1,422,531

Program Service Revenue $8,112

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,430,643

Expense Breakdown

Grants Paid $56,500

Salaries & Benefits $562,043

Fundraising Expenses $49,745

Program Expenses $1,112,245

Other Expenses $1,061,468

TOTAL EXPENSES $1,680,011

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,430,643	$1,835,062	-0.2%
Expenses	$1,680,011	$1,818,586	-0.1%
Net Income	$-249,368	$16,476	-16.1%

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

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
WILLIAM J KRUVANT	CHAIR	24.00	Officer Director	$0	$0	$0
JEFFREY MARBURG-GOODMAN	ACTING TREASURER/SECRETARY	1.00	Officer Director	$0	$0	$0
SYLVIA ELLISON	BOARD MEMBER	0.50	Director	$0	$0	$0
JESSICA KRUVANT	BOARD MEMBER	24.00	Director	$0	$0	$0
JOHANNA MENDELSON FORMAN	BOARD MEMBER	0.50	Director	$0	$0	$0
TOM WHEELOCK	BOARD MEMBER	0.50	Director	$0	$0	$0
MAUD OBE	DIRECTOR OF HANDMADE TO MARKET	40.00	Highest	$103,265	$25,655	$128,920

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	$1,430,643	$1,680,011	$991,059	$-249,368
2023	$1,835,062	$1,818,586	$773,111	$16,476
2022	$2,121,113	$2,044,450	$1,104,521	$76,663
2021	$1,992,748	$2,122,020	$1,232,534	$-129,272
2020	$1,462,950	$1,488,802	$969,783	$-25,852
2019	$2,833,018	$2,300,668	$580,613	$532,350
2018	$2,015,371	$2,179,383	$693,314	$-164,012