Chattanooga Christian School 
The information on this page was last updated 3/9/2026. If you see errors or omissions, please email: [email protected]
Summary
Chattanooga Christian School offers academically challenging programs designed to equip students to love God with their hearts as well as their minds.
Contact information
Mailing address:
Chattanooga Christian School
3354 Charger Drive
Chattanooga, TN 37409
Website: www.ccsk12.com
Phone: 423.265.6411
Email: [email protected]
Organization details
EIN: 620840156
CEO/President: Matt Covey
Chairman: Tripp Johnston
Board size: 11
Founder:
Ruling year: 1971
Tax deductible: Yes
Fiscal year end: 06/30
Member of ECFA: No
Member of ECFA since:
Purpose
We want our student body to reflect a diverse population of students racially, socio-economically, and intellectually. Studies have also found that diverse learning environments improve cognitive and critical thinking skills, increase intellectual maturity, and help students think creatively and in more complex ways.
Mission statement
To prepare students to lead and serve with distinction while representing Christ and seeking his Kingdom in all areas of the home, church, society, and culture.
Statement of faith
Articles
| 3/27/2026 | Four Ministries Rise to Highest Donor Confidence Scores |
Donor confidence score
Show donor confidence score details
To understand our donor confidence score, click here.
Transparency grade
D
To understand our transparency grade, click here.
Financial efficiency ratings
Sector: K-12 Schools/Academies
| Category | Rating | Overall rank | Sector rank |
| Overall efficiency rating | | 451 of 1435 | 65 of 191 |
| Fund acquisition rating | | 223 of 1435 | 59 of 191 |
| Resource allocation rating | | 1304 of 1435 | 179 of 191 |
| Asset utilization rating | | 203 of 1436 | 17 of 191 |
To understand our financial efficiency ratings, click here.
Financial ratios
| Funding ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Return on fundraising efforts Return on fundraising efforts = Fundraising expense / Total contributions | 11% | 5% | 8% | 6% | 6% | 4% |
Fundraising cost ratio Fundraising cost ratio = Fundraising expense / Total revenue | 2% | 1% | 1% | 1% | 1% | 1% |
Contributions reliance Contributions reliance = Total contributions / Total revenue | 13% | 16% | 11% | 14% | 19% | 29% |
Fundraising expense ratio Fundraising expense ratio = Fundraising expense / Total expenses | 2% | 1% | 1% | 1% | 1% | 2% |
Other revenue reliance Other revenue reliance = Total other revenue / Total revenue | 87% | 84% | 89% | 86% | 81% | 71% |
| Operating ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Program expense ratio Program expense ratio = Program services / Total expenses | 83% | 69% | 69% | 81% | 84% | 86% |
Spending ratio Spending ratio = Total expenses / Total revenue | 93% | 88% | 111% | 94% | 84% | 70% |
Program output ratio Program output ratio = Program services / Total revenue | 76% | 61% | 76% | 77% | 70% | 60% |
Savings ratio Savings ratio = Surplus (deficit) / Total revenue | 7% | 12% | -11% | 6% | 16% | 30% |
Reserve accumulation rate Reserve accumulation rate = Surplus (deficit) / Net assets | 6% | 33% | -35% | 4% | 11% | 23% |
General and admin ratio General and admin ratio = Management and general expense / Total expenses | 14% | 30% | 30% | 18% | 15% | 13% |
| Investing ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Total asset turnover Total asset turnover = Total expenses / Total assets | 0.54 | 1.49 | 2.26 | 0.57 | 0.53 | 0.51 |
Degree of long-term investment Degree of long-term investment = Total assets / Total current assets | 2.99 | 2.09 | 1.46 | 2.35 | 2.48 | 2.42 |
Current asset turnover Current asset turnover = Total expenses / Total current assets | 1.80 | 3.12 | 3.31 | 1.35 | 1.31 | 1.23 |
| Liquidity ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Current ratio Current ratio = Total current assets / Total current liabilities | 2.80 | 3.87 | 3.17 | 6.94 | 7.58 | 7.42 |
Current liabilities ratio Current liabilities ratio = Total current liabilities / Total current assets | 0.35 | 0.26 | 0.32 | 0.14 | 0.13 | 0.13 |
Liquid reserve level Liquid reserve level = (Total current assets - Total current liabilities) / (Total expenses / 12) | 3.98 | 2.85 | 2.48 | 7.63 | 7.94 | 8.44 |
| Solvency ratios | Sector median | 2025 | 2024 | 2023 | 2022 | 2021 |
Liabilities ratio Liabilities ratio = Total liabilities / Total assets | 29% | 39% | 38% | 7% | 6% | 6% |
Debt ratio Debt ratio = Debt / Total assets | 10% | 26% | 0% | 0% | 0% | 0% |
Reserve coverage ratio Reserve coverage ratio = Net assets / Total expenses | 117% | 41% | 27% | 163% | 179% | 184% |
Financials
| Balance sheet | |||||
| Assets | 2025 | 2024 | 2023 | 2022 | 2021 |
| Cash | $4,981,509 | $5,121,115 | $4,269,301 | $3,655,461 | $2,797,592 |
| Receivables, inventories, prepaids | $4,122,955 | $3,605,227 | $7,239,430 | $6,277,992 | $5,737,526 |
| Short-term investments | $1,835 | $968,112 | $8,106,570 | $7,565,504 | $7,855,930 |
| Other current assets | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $9,106,299 | $9,694,454 | $19,615,301 | $17,498,957 | $16,391,048 |
| Long-term investments | $0 | $0 | $0 | $0 | $0 |
| Fixed assets | $9,921,939 | $4,486,673 | $26,498,017 | $25,980,354 | $23,197,216 |
| Other long-term assets | $0 | $4,215 | $0 | $0 | $0 |
| Total long-term assets | $9,921,939 | $4,490,888 | $26,498,017 | $25,980,354 | $23,197,216 |
| Total assets | $19,028,238 | $14,185,342 | $46,113,318 | $43,479,311 | $39,588,264 |
| Liabilities | 2025 | 2024 | 2023 | 2022 | 2021 |
| Payables and accrued expenses | $1,700,072 | $2,232,974 | $1,955,929 | $1,468,807 | $1,489,011 |
| Other current liabilities | $654,907 | $824,513 | $871,912 | $840,079 | $719,208 |
| Total current liabilities | $2,354,979 | $3,057,487 | $2,827,841 | $2,308,886 | $2,208,219 |
| Debt | $4,972,989 | $0 | $47,789 | $94,684 | $140,651 |
| Due to (from) affiliates | $0 | $0 | $0 | $0 | $0 |
| Other long-term liabilities | $99,632 | $2,374,105 | $141,611 | $28,424 | $70,412 |
| Total long-term liabilities | $5,072,621 | $2,374,105 | $189,400 | $123,108 | $211,063 |
| Total liabilities | $7,427,600 | $5,431,592 | $3,017,241 | $2,431,994 | $2,419,282 |
| Net assets | 2025 | 2024 | 2023 | 2022 | 2021 |
| Without donor restrictions | $5,463,719 | $1,024,046 | $29,810,097 | $30,384,914 | $28,590,074 |
| With donor restrictions | $6,136,919 | $7,729,704 | $13,285,980 | $10,662,403 | $8,578,908 |
| Net assets | $11,600,638 | $8,753,750 | $43,096,077 | $41,047,317 | $37,168,982 |
| Revenues and expenses | |||||
| Revenue | 2025 | 2024 | 2023 | 2022 | 2021 |
| Total contributions | $5,284,109 | $3,251,060 | $3,971,629 | $5,201,011 | $8,336,288 |
| Program service revenue | $26,789,795 | $25,115,778 | $23,845,875 | $21,949,144 | $18,666,950 |
| Membership dues | $0 | $0 | $0 | $0 | $0 |
| Investment income | $214,109 | $648,079 | $171,997 | $310,223 | $1,775,178 |
| Other revenue | $0 | $0 | $0 | $0 | $0 |
| Total other revenue | $27,003,904 | $25,763,857 | $24,017,872 | $22,259,367 | $20,442,128 |
| Total revenue | $32,288,013 | $29,014,917 | $27,989,501 | $27,460,378 | $28,778,416 |
| Expenses | 2025 | 2024 | 2023 | 2022 | 2021 |
| Program services | $19,648,332 | $22,190,637 | $21,492,109 | $19,243,259 | $17,268,116 |
| Management and general | $8,530,149 | $9,664,601 | $4,676,668 | $3,408,911 | $2,537,458 |
| Fundraising | $266,326 | $252,807 | $222,848 | $294,845 | $367,314 |
| Total expenses | $28,444,807 | $32,108,045 | $26,391,625 | $22,947,015 | $20,172,888 |
| Change in net assets | 2025 | 2024 | 2023 | 2022 | 2021 |
| Surplus (deficit) | $3,843,206 | ($3,093,128) | $1,597,876 | $4,513,363 | $8,605,528 |
| Other changes in net assets | $0 | $0 | $0 | $0 | $0 |
| Total change in net assets | $3,843,206 | ($3,093,128) | $1,597,876 | $4,513,363 | $8,605,528 |
Compensation
| Name | Title | Compensation |
| Matt Covey | President | $169,480 |
| Shonda Caines | Director of Exceptional Ed | $167,598 |
| John Stroud | VP of Advancement | $161,417 |
| Carla Dean | Chief Financial Officer | $150,601 |
| Renee Timmerman | HR Director | $120,645 |
| James Arnold | Middle School Principal | $118,009 |
| Jason Tipton | Head Tennis Professional | $115,540 |
Compensation data as of: 6/30/2025
Response from ministry
No response has been provided by this ministry.
The information below was provided to MinistryWatch by the ministry itself. It was last updated 3/9/2026. To update the information below, please email: [email protected]
History
For more than 50 years, Chattanooga Christian School (CCS) has been a place where students grow in faith, knowledge, and community. Founded in 1970, CCS began with a simple vision - to provide Christ-centered education that equips students to think critically, love deeply, and serve faithfully.
https://www.ccsk12.com/about/history