CUMBERLAND TEACHERS ASSOCIATION

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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

1990

Legal Domicile

Principal Officer

LESLIE MORIN

Phone

4017444500

Tax Period

2024-09-01 to 2025-08-31

CUMBERLAND TEACHERS ASSOCIATION, founded in 1990, is a small nonprofit that reported $333K in total revenue in fiscal year 2024.

Mission

PROVIDE COLLECTIVE BARGAINING AND ARBITRATION SERVICES, AND PROMOTE PROFESSIONAL ISSUES FOR MEMBERS

Program Service Accomplishments

Program 1

PROVIDE COLLECTIVE BARGAINING AND ARBITRATION SERVICES, AND PROMOTE PROFESSIONAL ISSUES FOR MEMBERS

Program 2

PROVIDE COMMUNITY SUPPORT FOR RELATED EDUCATIONAL DONATIONS AND SCHOLARSHIPS

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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 $850

Program Service Revenue $331,023

Investment Income $843

Other Revenue $0

TOTAL REVENUE $332,716

Expense Breakdown

Grants Paid $1,500

Salaries & Benefits $42,650

Fundraising Expenses $0

Other Expenses $302,996

TOTAL EXPENSES $347,146

Year-over-Year Comparison

	2024	2023	Change
Revenue	$332,716	$331,960	+0.0%
Expenses	$347,146	$367,639	-0.1%
Net Income	$-14,430	$-35,679	-0.6%

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

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

$33,410

Total Directors

$59,320

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KERRY CARLSON	PRESIDENT	12.00	Officer Director	$14,735	$0	$14,735
LESLIE MORIN	TREASURER	3.00	Officer Director	$8,090	$0	$8,090
FAYE ENRIGHT	VICE PRESIDE	6.00	Officer Director	$7,670	$0	$7,670
RENE LARUE	EXECUTUVE BO	1.00	Director	$4,210	$0	$4,210
JEN MARVEL	EXECUTIVE BO	1.00	Director	$4,150	$0	$4,150
HEATHER BOGOSIAN	EXECUTIVE BO	1.00	Director	$3,495	$0	$3,495
KERRI REILLY	EXECUTIVE BO	1.00	Director	$2,945	$0	$2,945
SHANNON BASSETTE	SECRETARY	6.00	Officer Director	$2,915	$0	$2,915
ANDREA GOFF	EXECUTIVE BO	1.00	Director	$1,970	$0	$1,970
KATHY CARDOSA	EXECUTIVE BO	1.00	Director	$1,240	$0	$1,240
KATE MARESSE	EXECUTIVE BO	1.00	Director	$1,100	$0	$1,100
TALIA CLOSSICK	EXECUTIVE BO	1.00	Director	$1,000	$0	$1,000
MICHELLE BURGOYNE	EXECUTIVE BO	1.00	Director	$900	$0	$900
ELLEN CARUSO	EXECUTIVE BO	1.00	Director	$900	$0	$900
MELISSA JOHNSON	EXECUTIVE BO	1.00	Director	$900	$0	$900
NICOLE TURNER	EXECUTIVE BO	1.00	Director	$900	$0	$900
RODERICK MCGARRY	EXECUTIVE BO	1.00	Director	$800	$0	$800
KRISTEN NOKE	EXECUTIVE BO	1.00	Director	$800	$0	$800
KIM BALDWIN	EXECUTIVE BO	1.00	Director	$600	$0	$600
JULIE DEAN	EXECUTIVE BO	1.00	Director	$0	$0	$0
JODI MAGILL	EXECUTIVE BO	1.00	Director	$0	$0	$0
TRACY TELLIER	EXECUTIVE BO	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	$332,716	$347,146	$137,009	$-14,430
2024	$331,960	$367,639	$147,811	$-35,679
2023	$329,877	$319,827	$183,490	$10,050
2022	$330,317	$336,245	$173,440	$-5,928
2021	$319,098	$318,152	$179,368	$946
2020	$319,948	$324,426	$178,422	$-4,478
2019	$340,800	$341,851	$183,230	$-1,051
2018	$317,054	$316,175	$183,951	$879