Creekside Montessori Joyful Learning Center Inc (EIN 820900331) - 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

2017

Legal Domicile

Principal Officer

Margaret Williams

Phone

9286141541

Tax Period

2025-01-01 to 2025-12-31

Creekside Montessori Joyful Learning Center Inc, founded in 2017, is a small nonprofit in the Education sector that reported $411K in total revenue in fiscal year 2025. Revenue decreased 9% compared to the prior year. Expenses of $353K left a modest 14% surplus.

Mission

Creekside Montessori is here to work with families to create a peaceful community of diverse, respectful, self-motivated and independent learners who seek out and joyfully embrace academic and social opportunities.

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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 $1,204

Program Service Revenue $409,182

Investment Income $567

Other Revenue $0

TOTAL REVENUE $410,953

Expense Breakdown

Grants Paid $0

Salaries & Benefits $244,248

Fundraising Expenses $609

Program Expenses $351,105

Other Expenses $108,911

TOTAL EXPENSES $353,159

Year-over-Year Comparison

	2025	2024	Change
Revenue	$410,953	$452,663	-0.1%
Expenses	$353,159	$321,038	+0.1%
Net Income	$57,794	$131,625	-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

N/A

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

$66,249

Total Directors

$66,249

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Margaret Z Williams	Director	40.00	Officer Director	$66,249	$0	$66,249
Cathy A Stubbs	Teacher	47.00		$34,198	$0	$34,198
Samantha Hammon	Teacher	47.00		$33,249	$0	$33,249
Cameron Hammon	Teacher	30.00		$21,074	$0	$21,074
Debbie Cooke	Teacher	26.00		$17,566	$0	$17,566
Jennifer Knudson	Teacher	12.48		$13,402	$0	$13,402
Renae Hammon	Teacher	11.52		$12,390	$0	$12,390
Simeon Hammon	Teacher	12.34		$10,596	$0	$10,596
Fiona Cawley	Teacher	12.55		$9,411	$0	$9,411
Nola Hammon	Teacher	6.23		$5,498	$0	$5,498
Ava L Dutson	Teacher	2.00		$1,786	$0	$1,786

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	$410,953	$353,159	$464,405	$57,794
2024	$452,663	$321,038	$407,056	$131,625
2023	$382,172	$225,704	$276,547	$156,468
2022	$188,242	$182,797	$117,230	$5,445
2021	$186,826	$147,189	$110,264	$39,637

Creekside Montessori Joyful Learning Center Inc