CUP DEFENDERS 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

1935

Legal Domicile

Principal Officer

DEREK N TIPTON

Phone

4012533490

Tax Period

2025-01-01 to 2025-12-31

CUP DEFENDERS ASSOCIATION, founded in 1935, is a small nonprofit that reported $151K in total revenue in fiscal year 2025. Revenue fell 22% from the prior year — a significant decline worth monitoring. Net assets of $778K represent 62 months of operating reserves.

Mission

SOCIAL CLUB ORGANIZED EXCLUSIVELY FOR THE PLEASURE, RECREATION & OTHER NON-PROFITABLE ACTIVITIES

Program Service Accomplishments

Program 1

N/A

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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 (2025)

Revenue Breakdown

Contributions & Grants $13,534

Program Service Revenue $0

Investment Income $94

Other Revenue $137,605

TOTAL REVENUE $151,233

Expense Breakdown

Grants Paid $4,111

Salaries & Benefits $43,353

Fundraising Expenses $0

Other Expenses $112,588

TOTAL EXPENSES $160,052

Year-over-Year Comparison

	2025	2024	Change
Revenue	$151,233	$193,663	-0.2%
Expenses	$160,052	$188,337	-0.2%
Net Income	$-8,819	$5,326	-2.7%

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

155

Independent Members

155

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

Total Directors

Key Employees

$38,386

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
S CAVALIERI	PRESIDENT	5.00	Officer	$0	$0	$0
R SOUZA	V PRESIDENT	5.00	Officer	$0	$0	$0
E STUART	RECORDING SECRETARY	5.00	Officer	$0	$0	$0
S ZBYSZEWSKI	FINANCIAL SECRETARY	5.00	Officer	$0	$0	$0
D TIPTON	EMPLOYEE	25.00	Key Emp	$9,156	$0	$9,156
D ARAUJO	TREASURER	5.00	Officer	$0	$0	$0
J FRANCO	DIRECTOR	5.00	Director	$0	$0	$0
J COTTA	EMPLOYEE	5.00	Key Emp	$12,700	$0	$12,700
C TOSTE	DIRECTOR	5.00	Director	$0	$0	$0
L ROGERS	DIRECTOR	20.00	Key Emp	$2,240	$0	$2,240
B BISBANO	DIRECTOR	20.00	Key Emp	$0	$0	$0
R POISSANT	DIRECTOR	5.00	Director	$0	$0	$0
T WEATHERS	DIRECTOR	5.00	Director	$0	$0	$0
A CABRAL	DIRECTOR	5.00	Director	$0	$0	$0
D CAULDER	BAR MANAGER	20.00	Key Emp	$13,780	$0	$13,780
J OLSEN	EMPLOYEE	20.00	Key Emp	$510	$0	$510
R JANIK	DIRECTOR	0.00	Director	$0	$0	$0
G GAGNE	DIRECTOR	0.00	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	$151,233	$160,052	$778,059	$-8,819
2024	$193,663	$188,337	$786,878	$5,326
2023	$185,500	$163,837	$781,552	$21,663
2022	$208,237	$226,692	$776,749	$-18,455
2021	$229,605	$149,855	$794,308	$79,750
2020	$126,875	$94,496	$753,069	$32,379