CRYSTAL CHOIR

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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

1997

Legal Domicile

Principal Officer

KARL CHANG

Phone

4084465368

Tax Period

2024-08-01 to 2025-07-31

CRYSTAL CHOIR, founded in 1997, is a community nonprofit in the Arts, Culture & Humanities sector that reported $1.3M in total revenue in fiscal year 2024. Revenue surged 190% from the prior year, signaling strong growth momentum. The organization ran a surplus of $594K, a strong 45% operating margin.

Mission

STRIVE FOR CHORAL MUSIC EXCELLENCE BY PROVIDING CHORAL MUSIC EDUCATION TO CHILDREN AND BLENDING THE BEST OF EASTERN AND WESTERN MUSICAL TRADITIONS.

Program Service Accomplishments

Program 1

Expenses: $468,455

CRYSTAL CHOIR OFFERS A CHORAL PROGRAM DESIGNED FOR YOUNG CHILDREN FROM AGE 6 TO 18 FOR SINGING THROUGH A FULL COURSE OF CHORAL/VOCAL INSTRUCTIONS. THIS INCLUDES THE STUDY AND DEVELOPMENT OF CHORAL...

CRYSTAL CHOIR OFFERS A CHORAL PROGRAM DESIGNED FOR YOUNG CHILDREN FROM AGE 6 TO 18 FOR SINGING THROUGH A FULL COURSE OF CHORAL/VOCAL INSTRUCTIONS. THIS INCLUDES THE STUDY AND DEVELOPMENT OF CHORAL ARTISTRY, VOCAL TECHNIQUE, MUSIC THEORY AND PERFORMANCE PERTAINING TO THE REPERTOIRE STUDIED AND PERFORMED. PROGRAMS ARE OFFERED IN FOSTER CITY, CUPERTINO, FREMONT AND SAN JOSE. THE CHOIR SERVES THE ENTIRE COMMUNITY IN GREATER SOUTH SAN FRANCISCO BAY AREA.

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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 $17,613

Program Service Revenue $782,804

Investment Income $522,978

Other Revenue $0

TOTAL REVENUE $1,323,395

Expense Breakdown

Grants Paid $0

Salaries & Benefits $318,921

Fundraising Expenses $0

Program Expenses $468,455

Other Expenses $410,522

TOTAL EXPENSES $729,443

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,323,395	$456,939	+1.9%
Expenses	$729,443	$1,024,963	-0.3%
Net Income	$593,952	$-568,024	-2.0%

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

N/A

Employees

Volunteers

130

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
KARL CHANG	President	60.00	Officer Director	$0	$0	$0
CHING-FEN CHIANG	ART DIRECTOR	60.00	Officer Director	$0	$0	$0
BEN LIAO	Director	2.00	Director	$0	$0	$0
CECILIA LEE	Director	2.00	Director	$0	$0	$0
DIANA HUANG	CFO	60.00	Officer 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	$1,323,395	$729,443	$2,782,711	$593,952
2024	$456,939	$1,024,963	$3,358,595	$-568,024
2023	$744,153	$804,484	$3,107,551	$-60,331
2022	$706,516	$865,410	$3,308,001	$-158,894
2021	$1,159,618	$621,545	$5,262,086	$538,073
2020	$1,328,301	$929,631	$5,727,266	$398,670
2019	$1,213,808	$1,484,594	$5,808,859	$-270,786
2018	$2,618,490	$2,661,370	$4,894,428	$-42,880