CHATTANOOGA CHRISTIAN SCHOOL 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

1972

Legal Domicile

Principal Officer

MATT COVEY

Phone

4232656411

Tax Period

2024-07-01 to 2025-06-30

CHATTANOOGA CHRISTIAN SCHOOL INC, founded in 1972, is a mid-sized nonprofit in the Education sector that reported $32.3M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $28.4M left a modest 12% surplus.

Mission

TO PREPARE STUDENTS TO LEAD AND SERVE WITH DISTINCTION WHILE REPRESENTING CHRIST AND HIS KINGDOM IN ALL AREAS OF HOME, CHURCH, SOCIETY AND CULTURE.

Program Service Accomplishments

Program 1

Expenses: $10,182,656 Revenue: $14,731,801

UPPER SCHOOL

Program 2

Expenses: $4,409,249 Revenue: $5,952,875

LOWER SCHOOL

Program 3

Expenses: $1,755,152 Revenue: $2,122,262

LUNCH PROGRAM

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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 $5,284,109

Program Service Revenue $26,789,795

Investment Income $214,109

Other Revenue $0

TOTAL REVENUE $32,288,013

Expense Breakdown

Grants Paid $2,403,578

Salaries & Benefits $16,461,277

Fundraising Expenses $266,326

Program Expenses $19,648,332

Other Expenses $9,579,952

TOTAL EXPENSES $28,444,807

Year-over-Year Comparison

	2024	2023	Change
Revenue	$32,288,013	$29,014,917	+0.1%
Expenses	$28,444,807	$32,108,045	-0.1%
Net Income	$3,843,206	$-3,093,128	-2.2%

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

478

Volunteers

1024

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

$320,081

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATT COVEY	PRESIDENT	40.00	Officer	$120,740	$48,740	$169,480
SHONDA CAINES	DIRECTOR OF EXCEPTIONAL ED	40.00	Highest	$140,016	$27,582	$167,598
JOHN STROUD	VP OF ADVANCEMENT	40.00	Highest	$138,078	$23,339	$161,417
CARLA DEAN	CHIEF FINANCIAL OFFICER	40.00	Officer	$131,120	$19,481	$150,601
RENEE TIMMERMAN	HR DIRECTOR	40.00	Highest	$101,966	$18,679	$120,645
JAMES ARNOLD	MIDDLE SCHOOL PRINCIPAL	40.00	Highest	$103,937	$14,072	$118,009
JASON TIPTON	HEAD TENNIS PROFESSIONAL	40.00	Highest	$110,327	$5,213	$115,540
TRIPP JOHNSTON	CHAIRMAN	1.00	Director	$0	$0	$0
AMY JO OSBORN	VICE CHAIR	1.00	Director	$0	$0	$0
JENNY PLUNKETT	SECRETARY	1.00	Director	$0	$0	$0
CRAIG BAKER	TREASURER	1.00	Director	$0	$0	$0
ROY HIBBS	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT SWIFT	DIRECTOR	1.00	Director	$0	$0	$0
LAINI HUFFINE	DIRECTOR	1.00	Director	$0	$0	$0
RALPH MONGOMERY	DIRECTOR	1.00	Director	$0	$0	$0
RACHEL SHEILDS	DIRECTOR	1.00	Director	$0	$0	$0
FRED WIECHMANN	DIRECTOR	1.00	Director	$0	$0	$0
GARY NOLAND	DIRECTOR	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	$32,288,013	$28,444,807	$19,028,238	$3,843,206
2024	$29,014,917	$32,108,045	$14,185,342	$-3,093,128
2023	$27,989,501	$26,391,625	$46,113,318	$1,597,876
2022	$27,460,378	$22,947,015	$43,479,311	$4,513,363
2021	$28,778,416	$20,172,888	$39,588,264	$8,605,528
2021	$28,778,416	$20,172,888	$39,588,264	$8,605,528
2020	$19,602,616	$18,067,487	$32,932,010	$1,535,129
2019	$18,445,051	$14,801,112	$29,120,198	$3,643,939
2018	$17,218,012	$13,660,616	$27,642,892	$3,557,396