Norman and Deirdre Cram Teacher Rental Foundation (EIN 884299236) - 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

2022

Legal Domicile

Principal Officer

Norman Cram

Phone

7072875934

Tax Period

2023-01-01 to 2023-12-31

Norman and Deirdre Cram Teacher Rental Foundation, founded in 2022, is a micro nonprofit in the Education sector that reported $35K in total revenue in fiscal year 2023. Revenue fell 99% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $10K, a strong 29% operating margin.

Mission

Providing subsidized affordable housing for teachers in Sonoma Valley Unified School District

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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 (2023)

Revenue Breakdown

Contributions & Grants $20,350

Program Service Revenue $0

Investment Income $0

Other Revenue $14,549

TOTAL REVENUE $34,899

Expense Breakdown

Grants Paid $22,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $23,775

Other Expenses $2,323

TOTAL EXPENSES $24,823

Year-over-Year Comparison

	2023	2022	Change
Revenue	$34,899	$2,600,600	-1.0%
Expenses	$24,823	N/A	N/A
Net Income	$10,076	$2,600,600	-1.0%

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

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Norman L Cram	President	10.00	Officer Director	$0	$0	$0
Deirdre F Cram	CFO	5.00	Officer Director	$0	$0	$0
Deirdre E Wilkins	Secretary	5.00	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
2024	No data	No data	No data	No data
2023	$34,899	$24,823	$2,610,676	$10,076
2022	$2,600,600	No data	$2,600,600	No data

Norman and Deirdre Cram Teacher Rental Foundation