Southwest Christian Academy

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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

2024

Legal Domicile

Principal Officer

Marsha Lowe

Phone

9515919254

Tax Period

2025-01-01 to 2025-12-31

Southwest Christian Academy, founded in 2024, is a small nonprofit in the Education sector that reported $353K in total revenue in fiscal year 2025. Revenue surged 261% from the prior year, signaling strong growth momentum. Expenses of $313K left a modest 11% surplus.

Mission

To provide sources and support to homeschool families.

Program Service Accomplishments

Program 1

Expenses: $271,918 Revenue: $348,758

The organization offered in-person and remote classes for homeschoolers in the Temecula Valley for homeschool students

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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 (2025)

Revenue Breakdown

Contributions & Grants $4,204

Program Service Revenue $348,758

Investment Income $0

Other Revenue $0

TOTAL REVENUE $352,962

Expense Breakdown

Grants Paid $0

Salaries & Benefits $117,590

Fundraising Expenses $1,644

Program Expenses $271,918

Other Expenses $195,112

TOTAL EXPENSES $312,702

Year-over-Year Comparison

	2025	2024	Change
Revenue	$352,962	$97,710	+2.6%
Expenses	$312,702	$97,100	+2.2%
Net Income	$40,260	$610	+65.0%

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

N/A

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

$16,375

Total Directors

$24,700

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Marsha Lowe	Director	40.00	Officer Director	$16,375	$0	$16,375
Ashley Humphrey	Director	20.00	Director	$8,325	$0	$8,325
Hortencia Ortega	Tutor	15.00		$7,826	$0	$7,826
Delaney Spaulding	Tutor	15.00		$7,787	$0	$7,787
Amber Donaldson	Tutor	15.00		$7,596	$0	$7,596
Katy Chidester	Tutor	15.00		$7,439	$0	$7,439
Christa Sullivan	Tutor	15.00		$7,399	$0	$7,399

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	$352,962	$312,702	$125,109	$40,260
2024	$97,710	$97,100	$610	$610