THE COTTAGERS INC

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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

1969

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

THE COTTAGERS INC, founded in 1969, is a small nonprofit in the Public & Societal Benefit sector that reported $145K in total revenue in fiscal year 2023. The organization ran a surplus of $67K, a strong 46% operating margin.

Mission

TO PROMOTE AND HELP SUPPORT FINANCIALLY,WORTHWHILE CHARITABLE AND EDUCATIONAL PROJECTS, WHICH IMPROVE THE QUALITY OF LIVING IN THE COMMUNITY.

Program Service Accomplishments

Program 1

TO PROMOTE AND HELP SUPPORT FINANCIALLY, WORTHWHILE CHARITABLE AND EDUCATION PROJECTS,WHICH IMPROVE THE QUALITY OF LIVING IN THE COMMUNITY.

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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 $81,768

Program Service Revenue $0

Investment Income $119

Other Revenue $63,048

TOTAL REVENUE $144,935

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $78,398

TOTAL EXPENSES $78,398

Year-over-Year Comparison

	2023	2022	Change
Revenue	$144,935	N/A	N/A
Expenses	$78,398	N/A	N/A
Net Income	$66,537	N/A	N/A

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

N/A

Volunteers

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICIA BUSH	President	0.00	Director	$0	$0	$0
JEAN HURD	Director	1.00	Director	$0	$0	$0
JULIA BURGESS	ASSIST TREASURE	0.00	Director	$0	$0	$0
JANINE BANCOFT DeSILVA	RECORDING SECRE	1.00	Director	$0	$0	$0
PATRICIA WASHINGTON	Treasurer	0.00	Director	$0	$0	$0
KIM JONES	FINANCIAL SECRE	0.00	Director	$0	$0	$0
LINDA SILVA THOMPSON PhD	Vice President	1.00	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	No data	No data	No data	No data
2023	$144,935	$78,398	$391,953	$66,537