Cardinal Academy Incorporated (EIN 861222191) - 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

2020

Legal Domicile

Principal Officer

Catherine Olschanowski

Phone

2089181693

Tax Period

2024-07-01 to 2025-06-30

Cardinal Academy Incorporated, founded in 2020, is a community nonprofit in the Education sector that reported $1.3M in total revenue in fiscal year 2024. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $1.2M left a modest 11% surplus.

Mission

Public 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 $1,299,715

Program Service Revenue $0

Investment Income $20,171

Other Revenue $0

TOTAL REVENUE $1,319,886

Expense Breakdown

Grants Paid $0

Salaries & Benefits $917,354

Fundraising Expenses $0

Program Expenses $1,027,778

Other Expenses $263,832

TOTAL EXPENSES $1,181,186

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,319,886	$1,117,016	+0.2%
Expenses	$1,181,186	$1,073,974	+0.1%
Net Income	$138,700	$43,042	+2.2%

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

$96,134

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jamie Garn	Administrator	40.00	Officer	$85,010	$11,124	$96,134
Emily McClure	Secretary	1.00	Officer Director	$0	$0	$0
Jason Hudson	Vice-Chair	1.00	Officer Director	$0	$0	$0
Pragnyaa Cha Kravarthy	Director	1.00	Director	$0	$0	$0
Catherine Olschanowski	Chair	1.00	Officer Director	$0	$0	$0
Brady Watkins	Treasurer	1.00	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	$1,319,886	$1,181,186	$996,267	$138,700
2024	$1,117,016	$1,073,974	$823,318	$43,042
2023	$884,718	$1,149,738	$1,085,007	$-265,020
2022	$1,509,218	$1,063,221	$796,497	$445,997

Cardinal Academy Incorporated