CLAY COUNTY CHRISTIAN ACADEMY 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

2003

Legal Domicile

Principal Officer

TAMMY PADGETT

Phone

2563547778

Tax Period

2024-08-01 to 2025-07-31

CLAY COUNTY CHRISTIAN ACADEMY INC, founded in 2003, is a small nonprofit in the Education sector that reported $866K in total revenue in fiscal year 2024. Revenue fell 56% from the prior year — a significant decline worth monitoring. Expenses of $1.2M exceeded revenue, resulting in a 35% operating deficit.

Mission

PRIVATE SCHOOL EDUCATING STUDENTS IN GRADES K4 THROUGH 12

Program Service Accomplishments

Program 1

Expenses: $1,165,094 Revenue: $826,978

THE SCHOOL PROVIDES CERTIFIED TEACHERS FOR K4-12. NUMEROUS GRADUATES HAVE GONE ON TO COLLEGE. STUDENTS ARE TESTING ABOVE THEIR GRADE LEVELS.

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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 $33,534

Program Service Revenue $826,978

Investment Income $5,672

Other Revenue $0

TOTAL REVENUE $866,184

Expense Breakdown

Grants Paid $0

Salaries & Benefits $625,979

Fundraising Expenses $0

Program Expenses $1,165,094

Other Expenses $539,115

TOTAL EXPENSES $1,165,094

Year-over-Year Comparison

	2024	2023	Change
Revenue	$866,184	$1,974,662	-0.6%
Expenses	$1,165,094	$1,061,216	+0.1%
Net Income	$-298,910	$913,446	-1.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAMMY PADGETT	CHAIRMAN	2.00	Officer Director	$0	$0	$0
PAUL WELLBORN	BOARD MEMBER	1.00	Director	$0	$0	$0
RAY MILSTEAD	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN WELLBORN	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF SHADDIX	BOARD MEMBER	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	$866,184	$1,165,094	$4,277,990	$-298,910
2024	$1,974,662	$1,061,216	$4,576,793	$913,446
2023	$1,716,482	$983,695	$3,662,136	$732,787
2022	$1,532,141	$932,312	$2,930,289	$599,829
2021	$779,905	$802,947	$25,325	$-23,042
2021	$1,752,584	$829,776	$2,292,104	$922,808
2020	$713,817	$697,515	$27,806	$16,302
2020	$1,285,348	$736,235	$1,348,735	$549,113
2019	$655,878	$694,295	$7,485	$-38,417