ST CROIX MONTESSORI SCHOOL (EIN 660664498) - 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

2005

Legal Domicile

Principal Officer

TRACY COLE

Phone

3407182859

Tax Period

2024-08-01 to 2025-07-31

ST CROIX MONTESSORI SCHOOL, founded in 2005, is a community nonprofit in the Education sector that reported $1.5M in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $1.3M left a modest 10% surplus.

Mission

USING THE PHILOSOPHY OF MARIA MONTESSORI, WE PROVIDE AN ENVIRONMENT WHERE CHILDREN FEEL SAFE, EMOTIONALLY AND PHYSICALLY. THE CHILDREN ARE VALUED, GROW AND LEARN AT THEIR MAXIMUM POTENTIAL, TO THINK INDEPENDENTLY, AND CONTRIBUTE TO THE WORLD AND SOCIETY IN MEANINFFUL AND INNOVATIVE WAYS.

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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 $577,007

Program Service Revenue $892,564

Investment Income $1,270

Other Revenue $0

TOTAL REVENUE $1,470,841

Expense Breakdown

Grants Paid $0

Salaries & Benefits $837,768

Fundraising Expenses $0

Program Expenses $1,268,558

Other Expenses $485,279

TOTAL EXPENSES $1,323,047

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,470,841	$1,167,281	+0.3%
Expenses	$1,323,047	$829,521	+0.6%
Net Income	$147,794	$337,760	-0.6%

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

100

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
MICHAEL BORNN	SECRETARY	5.00	Officer	$0	$0	$0
TRACY COLE	HEAD MASTER	40.00	Officer	$0	$0	$0
WAYNE HUDDLESTON	TRUSTEE	4.00	Officer	$0	$0	$0
SCOT MCCHAIN	TREASURER	5.00	Officer	$0	$0	$0
LORETTA MOREHEAD	TRUSTEE	4.00	Officer	$0	$0	$0
RYAN NETHROPP	TRUSTEE	4.00	Officer	$0	$0	$0
NELLIE ORIELY	VICE PRESIDE	5.00	Officer	$0	$0	$0
DEREK SHUPE	TRUSTEE	4.00	Officer	$0	$0	$0
SARA JOSEPH - SMITH	TRUSTEE	4.00	Officer	$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	$1,470,841	$1,323,047	$486,334	$147,794
2024	$1,167,281	$829,521	$912,517	$337,760
2023	$519,271	$535,515	$194,927	$-16,244
2023	$354,110	$360,105	No data	$-5,995
2022	$389,459	$492,505	$2,654	$-103,046
2021	$414,093	$415,371	$381,783	$-1,278

ST CROIX MONTESSORI SCHOOL