CREATIVE BEGINNINGS SCHOOL'S ASSOCIATION INCORPORATED (EIN 954564190) - 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

1995

Legal Domicile

Principal Officer

RUTH ANN DOWD

Phone

5628612285

Tax Period

2023-01-01 to 2023-12-31

CREATIVE BEGINNINGS SCHOOL'S ASSOCIATION INCORPORATED, founded in 1995, is a community nonprofit in the Human Services sector that reported $1.3M in total revenue in fiscal year 2023. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $1.3M left a modest 4% surplus.

Mission

TO PROVIDE A SAFE, LOVING ENVIRONMENT WHERE EACH CHILD IS NURTURED AND CHALLENGED BY PROVIDING ACTIVITIES DESIGNED TO PROMOTE SOCIAL, EMOTIONAL, PHYSICAL, AND INTELLECTUAL DEVELOPMENT OF THE CHILD.

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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 $480,611

Program Service Revenue $861,441

Investment Income $97

Other Revenue $4,658

TOTAL REVENUE $1,346,807

Expense Breakdown

Grants Paid $0

Salaries & Benefits $802,562

Fundraising Expenses $0

Program Expenses $1,176,465

Other Expenses $492,880

TOTAL EXPENSES $1,295,442

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,346,807	$1,195,106	+0.1%
Expenses	$1,295,442	$1,310,366	0.0%
Net Income	$51,365	$-115,260	-1.4%

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

$55,327

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JESSICA MILLA	PRESIDENT	1.00	Officer Director	$0	$0	$0
ERICA YOUNG	SECRETARY	1.00	Officer Director	$0	$0	$0
MIESHA BAILEY	TREASURER	1.00	Officer Director	$0	$0	$0
RUTH ANN DOWD	CEO	30.00	Officer	$55,327	$0	$55,327

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	No data	No data	No data	No data
2023	$1,346,807	$1,295,442	$516,240	$51,365
2022	$1,195,106	$1,310,366	$197,054	$-115,260
2021	$865,742	$841,048	$302,475	$24,694
2020	$430,608	$740,249	$128,118	$-309,641
2019	$1,460,462	$1,426,148	$108,654	$34,314
2018	$1,348,336	$1,309,944	$106,695	$38,392

CREATIVE BEGINNINGS SCHOOL'S ASSOCIATION INCORPORATED