CLEARWATER ACADEMY INTERNATIONAL (EIN 592987746) - 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

1995

Legal Domicile

Principal Officer

James Zwers

Phone

7274461722

Tax Period

2023-08-01 to 2024-07-31

CLEARWATER ACADEMY INTERNATIONAL, founded in 1995, is a community nonprofit that reported $4.4M in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $4.1M left a modest 7% surplus.

Mission

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 (2023)

Revenue Breakdown

Contributions & Grants $5,074

Program Service Revenue $4,187,350

Investment Income $37,392

Other Revenue $205,127

TOTAL REVENUE $4,434,943

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,293,620

Fundraising Expenses $0

Program Expenses $4,029,115

Other Expenses $1,827,536

TOTAL EXPENSES $4,121,156

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,434,943	$3,828,902	+0.2%
Expenses	$4,121,156	$3,380,971	+0.2%
Net Income	$313,787	$447,931	-0.3%

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

$85,500

Total Directors

$85,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
James B Zwers	Executive Director	40.00	Officer Director	$85,500	$0	$85,500
Kathy Zwers	Director, Vice-President	5.00	Officer Director	$0	$0	$0
Jeffrey Feldman	Director, President	5.00	Officer Director	$0	$0	$0
Sikica Feldman	Director, Secretary	40.00	Officer Director	$0	$0	$0
Judith A Gilbert	Director, Treasurer	5.00	Officer 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
2024	$4,434,943	$4,121,156	$4,862,540	$313,787
2023	$3,828,902	$3,380,971	$4,592,590	$447,931
2022	$3,417,546	$2,834,203	$3,904,025	$583,343
2021	$2,896,530	$2,491,906	$3,655,224	$404,624
2020	$2,575,188	$2,383,248	$3,048,833	$191,940
2019	$2,450,541	$2,367,004	$2,888,530	$83,537
2018	$1,375,361	$2,244,022	$2,880,463	$-868,661

CLEARWATER ACADEMY INTERNATIONAL