CHESAPEAKE BAY ACADEMY (EIN 541522266) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1989

Legal Domicile

Principal Officer

DR JUDY JANKOWSKI

Phone

7574976200

Tax Period

2024-07-01 to 2025-06-30

CHESAPEAKE BAY ACADEMY, founded in 1989, is a community nonprofit in the Education sector that reported $4.0M in total revenue in fiscal year 2018.

Mission

THE MISSION OF CHESAPEAKE BAY ACADEMY IS TO EDUCATE STUDENTS THROUGH ACADEMIC PROGRAMS INDIVIDUALIZED TO ADDRESS THEIR LEARNING DIFFERENCES, EMPOWERING THEM WITH THE SKILLS AND CONFIDENCE NECESSARY FOR SUCCESS IN HIGHER EDUCATION, CAREERS, AND LIFE.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $920,981

Program Service Revenue $3,124,507

Investment Income $56,442

Other Revenue $-81,109

TOTAL REVENUE $4,020,821

Expense Breakdown

Grants Paid $844,580

Salaries & Benefits $2,765,689

Fundraising Expenses $296,317

Program Expenses $3,613,356

Other Expenses $834,423

TOTAL EXPENSES $4,480,692

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,020,821	$2,719,944	+0.5%
Expenses	$4,480,692	$4,137,833	+0.1%
Net Income	$-459,871	$-1,417,889	-0.7%

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

$231,087

Total Directors

$231,087

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AARON J COOPER	TRUSTEE	1.00	Director	$0	$0	$0
ALAN B RASHKIND	TRUSTEE	1.00	Director	$0	$0	$0
BRIAN WAINGER	TRUSTEE	1.00	Director	$0	$0	$0
CAPTAIN LOUIS J SCHAGER	VICE CHAIR	2.50	Officer Director	$0	$0	$0
DAVID RATHBONE	TRUSTEE	1.00	Director	$0	$0	$0
DONALD L GLENUM III	TRUSTEE	1.00	Director	$0	$0	$0
DR BRUCE RUBIN	TRUSTEE	1.00	Director	$0	$0	$0
DR CLIFFORD CUTCHINS V	TRUSTEE	1.00	Director	$0	$0	$0
DR DAVID LEVIN	CHAIR	5.00	Officer Director	$0	$0	$0
DR JD BALL	TRUSTEE	5.00	Director	$0	$0	$0
DR PATRICK D THRASHER	TRUSTEE	1.00	Director	$0	$0	$0
DR PETER M DOZIER	TRUSTEE	1.00	Director	$0	$0	$0
DR SARAH CHAGNON	TRUSTEE	1.00	Director	$0	$0	$0
DR WILLIAM P BRITTAIN	TRUSTEE	5.00	Director	$0	$0	$0
HOWARD GOODWIN	TRUSTEE	1.00	Director	$0	$0	$0
JOHN PARIS	TRUSTEE	1.00	Director	$0	$0	$0
JUDY JANKOWSKI	HEAD OF SCHOOL	60.00	Officer Director	$213,165	$17,922	$231,087
JULIE HASHAGEN	TRUSTEE	1.00	Director	$0	$0	$0
LINDA D BOWERS	TRUSTEE	1.00	Director	$0	$0	$0
LINDA MILLER-DUNLEAVY	TRUSTEE	1.00	Director	$0	$0	$0
MARK ADAMS	TREASURER	2.50	Officer Director	$0	$0	$0
MARY HADDAD	TRUSTEE	1.00	Director	$0	$0	$0
MINDY GUMPERT	TRUSTEE	1.00	Director	$0	$0	$0
MIRANDA SNOWBERGER	TRUSTEE	1.00	Director	$0	$0	$0
BETSY ATKINSON	TRUSTEE	1.00	Director	$0	$0	$0
RICHARD B THURMOND	TRUSTEE	1.00	Director	$0	$0	$0
THOMAS HASTY III	TRUSTEE	1.00	Director	$0	$0	$0
VICKIE HAWKINS-BLACK	SECRETARY	5.00	Officer Director	$0	$0	$0
GORDON WAGNER	TRUSTEE	1.00	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
2025	$4,020,821	$4,480,692	$4,815,574	$-459,871
2024	$2,719,944	$4,137,833	$4,617,081	$-1,417,889
2023	$4,383,373	$3,966,656	$7,641,830	$416,717
2022	$5,076,954	$3,881,474	$6,736,952	$1,195,480
2021	$4,950,561	$3,527,676	$6,120,552	$1,422,885
2020	$4,850,174	$4,121,067	$5,370,461	$729,107
2019	$3,981,958	$4,075,379	$4,861,895	$-93,421

CHESAPEAKE BAY ACADEMY