Calvary Baptist Church of St Thomas dba STT Calvary Christian Academy Inc (EIN 660520053) - 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

MELICENT THOMAS

Phone

3407765912

Tax Period

2024-01-01 to 2024-12-31

Calvary Baptist Church of St Thomas dba STT Calvary Christian Academy Inc, founded in 1995, is a community nonprofit in the Education sector that reported $1.0M in total revenue in fiscal year 2024.

Mission

THE ORGANIZATION IS A CHRISTIAN SCHOOL WITH A MISSION TO PROVIDE PRIMARY EDUCATION FROM A CHRISTIAN PERSPECTIVE FROM KINDERGARTEN TO GRADE 8.

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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 $25,098

Program Service Revenue $982,732

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,007,830

Expense Breakdown

Grants Paid $0

Salaries & Benefits $560,404

Fundraising Expenses $1,991

Program Expenses $791,454

Other Expenses $443,521

TOTAL EXPENSES $1,003,925

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,007,830	$1,014,620	0.0%
Expenses	$1,003,925	$1,001,931	+0.0%
Net Income	$3,905	$12,689	-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

N/A

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
JONES JEAN-MARIE	Chairman	10.00	Director	$0	$0	$0
VINCENT THOMAS	Treasurer	10.00	Director	$0	$0	$0
ERMIN OLIVE	Secretary	10.00	Director	$0	$0	$0
CAROLYN PETERS	Trustee	10.00	Director	$0	$0	$0
MELICENT THOMAS	Director	40.00	Director	$0	$0	$0
NOVITA GEORGE	Trustee	10.00	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
2024	$1,007,830	$1,003,925	$112,604	$3,905
2023	$1,014,620	$1,001,932	$123,626	$12,688

Calvary Baptist Church of St Thomas dba STT Calvary Christian Academy Inc