CHRISTIAN COUNSELING CENTER OF CUMB CO

EIN: 043705568 501(c)(3) Mental Health

CROSSVILLE, TN

Total Revenue
$234,725
Total Expenses
$229,588
Total Assets
$17,970
Net Assets
$17,577
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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

Principal Officer
BOB GARWOOD
Phone
9317078200
Tax Period
2025-01-01 to 2025-12-31

CHRISTIAN COUNSELING CENTER OF CUMB CO is a small nonprofit in the Mental Health sector that reported $235K in total revenue in fiscal year 2025.

Mission

TO PROVIDE PROFESSIONAL COUNSELING

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $95,251
Program Service Revenue $134,646
Investment Income $5
Other Revenue $4,823
TOTAL REVENUE $234,725

Expense Breakdown

Grants Paid $0
Salaries & Benefits $85,592
Fundraising Expenses $13,123
Program Expenses $182,886
Other Expenses $143,996
TOTAL EXPENSES $229,588

Year-over-Year Comparison

2025 2024 Change
Revenue $234,725 N/A N/A
Expenses $229,588 N/A N/A
Net Income $5,137 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

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Governance

Voting Members
9
Independent Members
9
Employees
2
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
3
$0
Total Directors
6
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
DEBRA WERTH BOARD MEMBER 5.50
Director
$0 $0 $0
DONNA CIELMA Executive Dir. 17.50
Director
$0 $0 $0
DEBBIE MAIN CLINICAL DIR 17.00
Director
$0 $0 $0
GENNY DYER BOARD MEMBER 1.00
Director
$0 $0 $0
ROGER WERTH BOARD MEMBER 1.00
Director
$0 $0 $0
ABBY BROWN BOARD MEMBER 3.75
Director
$0 $0 $0
BOB GARWOOD Vice President 15.00
Officer
$0 $0 $0
LISA HARRISON Secretary 15.00
Officer
$0 $0 $0
DONAT RENAUD President 1.00
Officer
$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 $234,725 $229,588 $17,970 $5,137
2022 $210,194 $204,249 $70,187 $5,945
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