SAGE COTTAGE SCHOOL INC (EIN 850480046) - 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

2009

Legal Domicile

Phone

5056720534

Tax Period

2019-01-01 to 2019-12-31

SAGE COTTAGE SCHOOL INC, founded in 2009, is a small nonprofit that reported $339K in total revenue in fiscal year 2019. Expenses of $376K exceeded revenue, resulting in a 11% operating deficit.

Mission

SAGE COTTAGE SCHOOL PROVIDES EARLY CHILDHOOD EDUCATION & CARE FOR CHILDREN FROM DIVERSE ECONOMIC, SOCIAL & CULTURAL BACKGROUNDS. A COMBINATION OF MONTESSORI, SELF-DIRECTED & PLAY-ORIENTED PROGRAMS GIVES CHILDREN OPPORTUNITIES TO LEARN, EXPLORE, GROW & DEVELOP SOCIAL SKILLS.

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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 (2019)

Revenue Breakdown

Contributions & Grants $34,975

Program Service Revenue $301,477

Investment Income $7

Other Revenue $2,967

TOTAL REVENUE $339,426

Expense Breakdown

Grants Paid $0

Salaries & Benefits $287,011

Fundraising Expenses $0

Program Expenses $352,874

Other Expenses $88,498

TOTAL EXPENSES $375,509

Year-over-Year Comparison

	2019	2018	Change
Revenue	$339,426	$336,816	+0.0%
Expenses	$375,509	$321,048	+0.2%
Net Income	$-36,083	$15,768	-3.3%

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

$31,261

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIM ROBERTS	Site Director	40.00	Officer	$31,261	$0	$31,261
THERESA CULL	Chairman	5.00	Officer Director	$0	$0	$0
DAVID CLARK	Director	0.50	Director	$0	$0	$0
DANIEL ROBERTS	Director	0.50	Director	$0	$0	$0
THERESA CULL	Treasurer	5.00	Officer Director	$0	$0	$0
JODI CULL-HOST	Secretary	0.50	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
2019	$339,426	$375,509	$8,520	$-36,083
2018	$336,816	$321,048	$46,153	$15,768

SAGE COTTAGE SCHOOL INC