Cumberland Cape Atlantic YMCA (EIN 210635053) - 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

1927

Legal Domicile

Phone

8566910030

Tax Period

2024-01-01 to 2024-12-31

Cumberland Cape Atlantic YMCA, founded in 1927, is a community nonprofit in the Human Services sector that reported $5.2M in total revenue in fiscal year 2024.

Mission

THE ORGANIZATION IS A NON-PROFIT CHARITABLE ORGANIZATION THAT IS PART OF A WORLDWIDE ASSOCIATION BASED ON CHRISTIAN PRINCIPLES, INCLUSIVE OF ALL PEOPLE, DEDICATED TO FOSTERING OPPORTUNITIES FOR ALL INDIVIDUALS, FAMILIES, AND COMMUNITIES THROUGH PROGRAMS THAT BUILD HEALTHY SPIRIT, MIND, AND BODY FOR ALL.

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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 $1,170,309

Program Service Revenue $3,776,309

Investment Income $166,371

Other Revenue $73,145

TOTAL REVENUE $5,186,134

Expense Breakdown

Grants Paid $250

Salaries & Benefits $3,747,490

Fundraising Expenses $20,938

Program Expenses $4,693,852

Other Expenses $1,799,937

TOTAL EXPENSES $5,547,677

Year-over-Year Comparison

	2024	2023	Change
Revenue	$5,186,134	$5,314,092	0.0%
Expenses	$5,547,677	$5,472,949	+0.0%
Net Income	$-361,543	$-158,857	+1.3%

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

260

Volunteers

184

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

$116,393

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Agnes Trummer	Secretary	1.0	Director	$0	$0	$0
Al Fisher	Directors	1.0	Director	$0	$0	$0
Andrew Johnson	Directors	1.0	Director	$0	$0	$0
Christine Ward-Garrison	Directors	1.0	Director	$0	$0	$0
Cristy Lopergolo	Directors	1.0	Director	$0	$0	$0
David Catalana	Directors	1.0	Director	$0	$0	$0
David D'Onofrio	Directors	1.0	Director	$0	$0	$0
David Schad	Treasurer	2.0	Director	$0	$0	$0
Dolores Hoffman	Directors	1.0	Director	$0	$0	$0
Donna Perez	1st Vice President	1.0	Director	$0	$0	$0
Fabien Klimsza	Directors	1.0	Director	$0	$0	$0
George LoBiondo	Directors	1.0	Director	$0	$0	$0
Ginger Chase	Directors	1.0	Director	$0	$0	$0
Jacqueline Galbiati	Directors	1.0	Director	$0	$0	$0
Joel Cruz	2nd Vice President	1.0	Director	$0	$0	$0
John Barretta	Directors	1.0	Director	$0	$0	$0
John Vastano	Directors	1.0	Director	$0	$0	$0
Kathy Farnaccio	Past President	1.0	Director	$0	$0	$0
Lisa Tobolski	Directors	1.0	Director	$0	$0	$0
Luigi Tramontana Jr	President	1.0	Director	$0	$0	$0
Matt Fralinger	Directors	1.0	Director	$0	$0	$0
Nick Fiocchi	Directors	1.0	Director	$0	$0	$0
Praful Thakkar	Directors	1.0	Director	$0	$0	$0
Robert DeSanto	Directors	1.0	Director	$0	$0	$0
Steve Schiavo	Directors	1.0	Director	$0	$0	$0
Tony Quigley	Directors	1.0	Director	$0	$0	$0
John Antonelli	CEO	50.0	Officer	$108,715	$7,678	$116,393

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	$5,186,134	$5,547,677	$7,009,044	$-361,543
2023	$5,314,092	$5,472,949	$7,255,750	$-158,857
2022	$5,994,485	$3,935,503	$6,910,055	$2,058,982
2021	$4,154,863	$4,158,671	$6,203,971	$-3,808
2020	$5,588,944	$3,707,048	$6,117,442	$1,881,896
2019	$4,832,164	$4,525,296	$3,432,864	$306,868
2018	$4,246,162	$4,063,018	$3,122,311	$183,144

Cumberland Cape Atlantic YMCA