Church Divinity School of the Pacific

Private nonprofitBaccalaureate/Associate's: Assoc. DominantGraduate/Professional

Fin. Resilience

Resilience score

vs. 205 peers in its group

Church Divinity School of the Pacific is a private nonprofit institution in Berkeley, CA, classified by Carnegie as “Baccalaureate/Associate's: Assoc. Dominant.”

It is benchmarked here against 205 peer institutions (Baccalaureate/Associate's: Assoc. Dominant · Private nonprofit).

On Ibex's Financial Resilience score it rates 48 out of 100 within that peer group, a transparent composite of endowment per undergraduate, net tuition revenue per student, and instructional spend per student.

Its strongest standing relative to peers is avg monthly faculty salary ($15,581, 99th percentile).

Its weakest is operating margin (-135.8%).

Peer group

Baccalaureate/Associate's: Assoc. Dominant · Private nonprofit

205 institutions

No cross-metric risk flags triggered.

Policy & demographic exposure

How exposed Church Divinity School of the Pacific is to the structural shifts reshaping higher ed: a composite structural-risk index plus the 2025 federal budget law’s endowment excise tax and Grad PLUS elimination and the demographic enrollment cliff. Only signals that apply to this institution are shown.

Structural risk index

Elevated

Enrollment cliff (home state)

-27.7%

Severe decline

Indicative signals, not forecasts — see each metric’s definition and the methodology. Endowment-tax and Grad PLUS figures appear only where the institution is actually exposed; “nationally” compares against all schools that report each signal.

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Financial Health Index

6.8

on a −4 to 10 scale

Financial Health IndexStrong

NACUBO Composite Financial Index — the balance-sheet health score accreditors and institutional boards use to gauge financial health; bond-rating agencies track similar ratios. 73rd percentile of 205 peers.

Primary reserve 35%14.2 mo

Reserves vs. debt 35%5.88×

Return on net assets 20%-8.6%

Operating result 10%23.5%

Composite of four ratios on a strength-factor scale (−4 weak → 10 strong): below 3 falls short of the threshold for financial health, below 1 signals acute stress, and above 6 is strong. Computed from IPEDS FY2022-23, the most recent finance release (it lags the current year by 2–3 years). Branch campuses that report finances at a parent/system level can show distorted ratios. For informational benchmarking, not a credit rating or financial advice.

Revenue composition

Where the money comes from $6.7M total revenue · IPEDS FY2022-23

Private gifts & grants is the largest single source at 82% of revenue.

Private gifts & grants82.0%

Auxiliary enterprises14.2%

Tuition & fees2.0%

Other revenue1.4%

Government grants & contracts0.4%

Where each dollar of revenue comes from, as a share of total positive revenue. Sources are standardized across public (GASB) and private (FASB) reporting; a net investment loss in a down market is shown as 0% and excluded from the mix.

Financial Health

Net tuition revenue / FTE

Below peers

$3,088

7th percentile in peer grouppeer median $9,833

Instructional spend / FTE

Strong

$39,146

90th percentile in peer grouppeer median $10,996

Endowment (end of year)

Strong

$48.4M

75th percentile in peer grouppeer median $14.5M

Avg monthly faculty salary

Strong

$15,581

99th percentile in peer grouppeer median $5,681

Average monthly salary of full-time faculty, as reported to IPEDS.

Operating margin

Deficit

-135.8%

2nd percentile in peer grouppeer median 9.4%

Net surplus as a share of total revenue (IPEDS FY2022-23): (total revenues − total expenses) ÷ total revenues. A surplus above 4% is strong; a thin surplus near 0% leaves little margin for shocks.

Tuition dependency

5.5%

13th percentile in peer grouppeer median 24.9%

Tuition & fees as a share of total revenue (IPEDS FY2022-23). Higher = more exposed to enrollment swings.

Tuition discount rate

Very high

87.6%

99th percentile in peer grouppeer median 27.3%

Institutional grant aid as a share of gross tuition & fee revenue (IPEDS FY2022-23, FASB): allowances applied to tuition ÷ (net tuition revenue + those allowances) — the tuition-discount rate enrollment leaders track, i.e. the share of sticker tuition handed back as institutional aid. Private nonprofit institutions only; public (GASB) institutions report tuition differently and are not shown. The national private-college average is roughly 56% (NACUBO); above ~60% signals heavy price competition.

State appropriations share

100th percentile in peer grouppeer median 0%

State appropriations as a share of total revenue (IPEDS FY2022-23). Material for public institutions; ~0 for private.

Administrative cost share

36.3%

76th percentile in peer grouppeer median 28.7%

Institutional support — central administration, executive management, governance, general administration, fundraising and (under FASB rules) operation & maintenance of plant — as a share of total expenses (IPEDS FY2022-23, FASB). Private nonprofit institutions only: public (GASB) institutions report functional expenses on a different basis and frequently consolidate large hospital and auxiliary operations, which makes a comparable ratio unreliable, so they are not shown. Because FASB folds plant operations into institutional support, this runs higher than a narrow 'central-office' figure, and schools with sizable hospital or auxiliary operations show a lower ratio as those costs enlarge total expenses. An informational benchmark of administrative intensity, compared within the peer group — not a measure of waste or quality.

Months of operating cushion

Strong

14.2 mo

61st percentile in peer grouppeer median 11.5 mo

How many months of operating expenses the institution could cover from expendable reserves (IPEDS FY2022-23 primary reserve ratio × 12). About 5 months — one semester — is the accreditor benchmark for solid footing; below ~3 months is thin. A negative figure means expendable reserves are themselves negative.

Reserves vs. debt

Strong

5.88×

70th percentile in peer grouppeer median 1.49×

Expendable reserves ÷ plant-related debt (IPEDS FY2022-23 viability ratio). At or above 1.25×, reserves fully cover long-term debt. Shown blank when the institution carries little or no plant debt.

Return on net assets

Weak

-8.6%

9th percentile in peer grouppeer median 3.5%

Change in total net assets ÷ net assets (IPEDS FY2022-23) — whether the institution grew wealthier over the year. 2–4% is adequate; above 4% is strong.

Endowment per FTE student

Strong

$913,957

91st percentile in peer grouppeer median $107,955

End-of-year endowment ÷ 12-month FTE enrollment — endowment wealth per full-time-equivalent student. The FTE-correct companion to endowment-per-undergraduate; FTE counts graduate and part-time load, so research universities look less wealthy on this basis than on a headcount basis.

Structural risk index

Elevated

— percentile in peer group

An indicative 0–100 structural-risk index (higher = more pressure), an equal-weight blend of the stress signals we measure: thin or negative operating margin, low months of operating cushion, high tuition dependency, and a shrinking home-state high-school-graduate pipeline (enrollment cliff). Averaged over whichever signals are available (at least two required). It screens for the financial and demographic pressures that precede closures and mergers — a directional indicator, NOT a prediction that any institution will close, and not a credit rating.

Enrollment & Pipeline

12-month FTE enrollment

18th percentile in peer grouppeer median 115

Full-time-equivalent enrollment over the full 12-month year (IPEDS 12-month enrollment, 2022-23). Counts part-time students at their fractional load, so it runs above fall full-time headcount and is the denominator used for per-student finance measures.

Enrollment cliff (home state)

Severe decline

-27.7%

— percentile in peer group

Projected change in the number of high-school graduates in the institution's HOME STATE from the class of 2025 (the national peak) to 2041, per WICHE's Knocking at the College Door, 11th Edition (Dec 2024). The 'enrollment cliff' is the post-2008 birth decline reaching college age; the U.S. total is projected to fall about 13% over this window. A college recruits from many states, so its home-state projection is an indicative directional signal of feeder-market pressure, not a forecast of that institution's own enrollment.

Student Outcomes & Risk

3-yr cohort default rate

Strong

23rd percentile in peer grouppeer median 4.3%

Share of borrowers who defaulted within three years of entering repayment (U.S. Dept. of Education official cohort default rate). Shown for the FY2017 borrower cohort — the most recent cohort whose full three-year default window closed before the 2020-23 federal student-loan payment pause. More recent cohorts are reported by the College Scorecard at essentially 0%, but that reflects the payment pause (no payments were due, so almost no one could default), not borrower health, so the pre-pause cohort is the last meaningful reading. Lower is better.

Top fields of study (all levels)

Church Divinity School of the Pacific’s largest fields by completions, with graduate earnings (4 years out) and debt benchmarked against the same field at its peer group. Sparklines show the 8-year completions trend.

Field	Completions / yr	Median earnings, 4 yrs out	Median debt	Earnings premium	Risk score
Theology & Religious Vocations	15	$94,644 93th pct · 42 peers	—	Above benchmark +26%	Low · 29
Theology & Religious Vocations	4	—	—	—	High · 88

All 1 top fields shown clear the CA state earnings-premium benchmark (indicative).

Earnings-premium status is an indicative estimate: median graduate earnings four years out vs the CA state median earnings of a high-school graduate (undergraduate credentials) or a bachelor’s-degree holder (graduate credentials) from the U.S. Census Bureau’s American Community Survey (2022 ACS 5-year). The official U.S. Department of Education determination uses its own cohort definition and may differ.

The risk score (0–100) is an indicative blend of earnings-premium margin and the five-year completions trend—higher means a field pays closer to (or below) the benchmark and is shrinking. A directional screen, not an official determination.

See the interactive dashboard for all fields and credential levels (associate through doctoral). Source: College Scorecard Field of Study.

Frequently asked

How financially healthy is Church Divinity School of the Pacific?

On the NACUBO Composite Financial Index — the −4 to 10 balance-sheet score accreditors and institutional boards use — Church Divinity School of the Pacific scores 6.8 (Strong), computed from its IPEDS FY2022-23 finances. This is informational benchmarking, not a credit rating.

Are Church Divinity School of the Pacific's programs at risk under the federal earnings-premium test?

Indicatively, at Church Divinity School of the Pacific, the single largest field with available earnings data clears the CA state earnings-premium benchmark used by the 2025 federal test (effective July 1, 2026) — median graduate earnings (four years out) exceed those of a typical worker without the credential. This is an estimate using College Scorecard earnings vs ACS medians; the official Department of Education determination may differ.

Which schools are Church Divinity School of the Pacific's peers?

Church Divinity School of the Pacific is benchmarked against 205 institutions in the Baccalaureate/Associate's: Assoc. Dominant · Private nonprofit peer group; all percentiles and medians on this page are computed within that group.

Compare with peers

Academy for Jewish Religion California Anabaptist Mennonite Biblical Seminary Aquinas Institute of Theology Asbury Theological Seminary Austin Presbyterian Theological Seminary Bakke Graduate University

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Source: U.S. Department of Education — College Scorecard & IPEDS (most recent releases), with the U.S. Census Bureau (ACS), the U.S. Bureau of Labor Statistics (Employment Projections, field-demand outlook) and WICHE (enrollment-cliff projections). Figures lag the current academic year by roughly two to three years. Percentiles and medians are computed within the institution's peer group. Financial Resilience is a transparent composite — see each component above. Compiled by Ibex Insights.