Coral Reef Academy Inc (EIN 660904286) - 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

2018

Legal Domicile

Principal Officer

Lindsy Wagner

Phone

3407197007

Tax Period

2025-01-01 to 2025-12-31

Coral Reef Academy Inc, founded in 2018, is a community nonprofit in the Education sector that reported $1.1M in total revenue in fiscal year 2025. Revenue surged 33% from the prior year, signaling strong growth momentum.

Mission

Operating a school for children with autism and developmental disorders by providing them with a nurturing space to learn and grow.

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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 (2025)

Revenue Breakdown

Contributions & Grants $248,597

Program Service Revenue $856,162

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,104,759

Expense Breakdown

Grants Paid $0

Salaries & Benefits $877,063

Fundraising Expenses $64,532

Program Expenses $1,130,158

Other Expenses $322,864

TOTAL EXPENSES $1,199,927

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,104,759	$832,357	+0.3%
Expenses	$1,199,927	$938,554	+0.3%
Net Income	$-95,168	$-106,197	-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

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
Lindsy Yarger-Wagner	Chair of the Board	15.00	Director	$0	$0	$0
Stephen Wagner	Treasurer	15.00	Director	$0	$0	$0
Keila Medina	Board Member	10.00	Director	$0	$0	$0
Krystal Solomon	Board Member	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
2025	$1,104,759	$1,199,927	$29,571	$-95,168
2024	$832,357	$938,554	$77,961	$-106,197
2023	$796,109	$729,311	$187,293	$66,798
2022	$616,273	$623,380	$123,545	$-7,107
2021	$648,392	$616,531	$133,619	$31,861
2020	$417,085	$414,313	$130,499	$2,772

Coral Reef Academy Inc