CUMBERLAND RIVER HOMES INC (EIN 200816622) - 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

2004

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

CUMBERLAND RIVER HOMES INC, founded in 2004, is a community nonprofit in the Human Services sector that reported $3.4M in total revenue in fiscal year 2023. Revenue surged 55% from the prior year, signaling strong growth momentum. The organization ran a surplus of $673K, a strong 20% operating margin.

Mission

ASSISTED LIVING FACILITY FOR DISABLED

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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 $610,201

Program Service Revenue $2,809,051

Investment Income $7,400

Other Revenue $0

TOTAL REVENUE $3,426,652

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,720,654

Fundraising Expenses $0

Program Expenses $2,291,356

Other Expenses $1,032,521

TOTAL EXPENSES $2,753,175

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,426,652	$2,206,778	+0.6%
Expenses	$2,753,175	$2,448,549	+0.1%
Net Income	$673,477	$-241,771	-3.8%

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

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

$127,950

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES WRING	EXECUTIVE DIRECTOR	40.00	Officer	$118,015	$9,935	$127,950
GARY DAMRON	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW FOX	DIRECTOR	1.00	Director	$0	$0	$0
KAHRA BUMPUS	DIRECTOR	1.00	Director	$0	$0	$0
SANDY BARNES	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN WATSON	DIRECTOR	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
2024	No data	No data	No data	No data
2023	$3,426,652	$2,753,175	$1,446,147	$673,477
2022	$2,206,778	$2,448,549	$770,168	$-241,771
2021	$2,462,175	$2,343,855	$1,010,671	$118,320
2020	$2,350,934	$2,255,612	$1,168,621	$95,322
2019	$2,269,299	$2,251,243	$836,355	$18,056
2018	$1,925,681	$1,971,360	$796,075	$-45,679

CUMBERLAND RIVER HOMES INC