CALVARY SCHOOLS OF HOLLAND (EIN 831495544) - 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

STEVE DOWNING

Phone

6163960248

Tax Period

2024-08-01 to 2025-07-31

CALVARY SCHOOLS OF HOLLAND, founded in 2018, is a community nonprofit in the Education sector that reported $1.6M in total revenue in fiscal year 2024. Net assets of $3.9M represent 29 months of operating reserves.

Mission

CALVARY SCHOOLS OF HOLLAND ARE COMMITTED TO BUILDING CHRISTIAN CHARACTER AND TO DEVELOPING SERVANT LEADERSHIP IN THEIR STUDENTS WITHIN THE CONTEXT OF A QUALITY EDUCATION.

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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 $347,235

Program Service Revenue $1,209,798

Investment Income $31,614

Other Revenue $-1,365

TOTAL REVENUE $1,587,282

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,128,776

Fundraising Expenses $25,384

Program Expenses $1,569,884

Other Expenses $613,784

TOTAL EXPENSES $1,742,560

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,587,282	$1,554,458	+0.0%
Expenses	$1,742,560	$1,634,482	+0.1%
Net Income	$-155,278	$-80,024	+0.9%

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

$105,204

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHERYL WARD	EXCECUTIVE D	40.00	Officer	$105,204	$0	$105,204
BRIAN BEARDSLEY	PRESIDENT	2.00	Officer Director	$0	$0	$0
DANIEL WHITE	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
GREG ENGLAND	SECRETARY	2.00	Officer Director	$0	$0	$0
STEVE DOWNING	TREASURER	2.00	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	$1,587,282	$1,742,560	$4,020,690	$-155,278
2024	$1,554,458	$1,634,482	$4,239,475	$-80,024
2023	$1,674,359	$1,609,947	$4,291,127	$64,412
2022	$1,880,769	$1,415,129	$4,205,313	$465,640
2021	$1,382,776	$1,405,323	$3,893,706	$-22,547

CALVARY SCHOOLS OF HOLLAND