Carmel Educational Foundation (EIN 562107877) - 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

1998

Legal Domicile

Principal Officer

John Jordan

Phone

7048478575

Tax Period

2024-08-01 to 2025-07-31

Carmel Educational Foundation, founded in 1998, is a community nonprofit in the Education sector that reported $1.1M in total revenue in fiscal year 2024. The organization ran a surplus of $451K, a strong 42% operating margin.

Mission

Christian Education

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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 $1,000,001

Program Service Revenue $0

Investment Income $68,744

Other Revenue $0

TOTAL REVENUE $1,068,745

Expense Breakdown

Grants Paid $618,023

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $618,023

Other Expenses $0

TOTAL EXPENSES $618,023

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,068,745	$1,049,257	+0.0%
Expenses	$618,023	$532,350	+0.2%
Net Income	$450,722	$516,907	-0.1%

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

N/A

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
Allison Whitlock	Director	0.25	Director	$0	$0	$0
Jonathan Schlottman	Director	0.25	Director	$0	$0	$0
Burt Lohoff-Gaida	Chairman	0.25	Officer Director	$0	$0	$0
Beth Warren	Director	0.25	Director	$0	$0	$0
John Daniel	Director	0.25	Director	$0	$0	$0
Christopher Grace	Director	0.25	Director	$0	$0	$0
Jennifer Williams	Director	0.25	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	$1,068,745	$618,023	$1,894,088	$450,722
2024	$1,049,257	$532,350	$1,530,281	$516,907
2023	$806,345	$329,090	$1,013,374	$477,255
2022	$604,652	$118,491	$677,219	$486,161
2021	$503,203	$316,131	$512,034	$187,072
2020	$456,545	$502,792	$358,463	$-46,247
2019	$924,007	$609,542	$456,875	$314,465

Carmel Educational Foundation