UMBRELLA OF ST JOHNSBURY INC (EIN 030268884) - 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

1976

Legal Domicile

Principal Officer

AMANDA COCHRANE

Phone

8027488645

Tax Period

2024-07-01 to 2025-06-30

UMBRELLA OF ST JOHNSBURY INC, founded in 1976, is a community nonprofit in the Human Services sector that reported $3.1M in total revenue in fiscal year 2024. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $2.6M left a modest 14% surplus.

Mission

TO CULTIVATE A NORTHEAST KINGDOM WHERE ALL PEOPLE THRIVE FREE FROM ABUSE AND OPPRESSION.

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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 (2024)

Revenue Breakdown

Contributions & Grants $2,782,688

Program Service Revenue $235,378

Investment Income $11

Other Revenue $38,510

TOTAL REVENUE $3,056,587

Expense Breakdown

Grants Paid $90,947

Salaries & Benefits $1,979,082

Fundraising Expenses $51,436

Program Expenses $2,303,690

Other Expenses $557,161

TOTAL EXPENSES $2,627,190

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,056,587	$2,617,527	+0.2%
Expenses	$2,627,190	$2,376,008	+0.1%
Net Income	$429,397	$241,519	+0.8%

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

$101,696

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMANDA COCHRANE	EXECUTIVE DI	40.00	Officer	$101,696	$0	$101,696
ALEX MACLEAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
CRISTOPHER MANGES	SECRETARY	2.00	Officer Director	$0	$0	$0
MARTHA CAVANAUGH	TREASURER/VI	2.00	Officer Director	$0	$0	$0
MICHELE BURRINTON	BOARD MEMBER	2.00	Director	$0	$0	$0
MARY COTE	BOARD MEMBER	2.00	Director	$0	$0	$0
OWEN DAVIE	BOARD MEMBER	2.00	Director	$0	$0	$0
MONICA PINEDA ETTER	BOARD MEMBER	2.00	Director	$0	$0	$0
LONA MILLER STEWART	BOARD MEMBER	2.00	Director	$0	$0	$0
LIZ PROHASKA	BOARD MEMBER	2.00	Director	$0	$0	$0
DALE STEEN	BOARD MEMBER	2.00	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
2025	$3,056,587	$2,627,190	$2,114,286	$429,397
2024	$2,617,527	$2,376,008	$1,778,840	$241,519
2023	$2,687,157	$2,410,594	$1,586,373	$276,563
2022	$2,152,155	$2,034,373	$919,463	$117,782
2021	$2,118,029	$1,836,738	$836,812	$281,291
2020	$1,755,655	$1,623,829	$524,747	$131,826
2019	$1,375,270	$1,328,408	$360,665	$46,862

UMBRELLA OF ST JOHNSBURY INC