CORNERSTONE FAMILY PROGRAMS (EIN 221489900) - 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

1813

Legal Domicile

Principal Officer

ALAN SMITH

Phone

9732889248

Tax Period

2024-01-01 to 2024-12-31

CORNERSTONE FAMILY PROGRAMS, founded in 1813, is a community nonprofit in the Human Services sector that reported $7.1M in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion.

Mission

THE ORGANIZATION IS DEDICATED TO STRENGTHENING COMMUNITIES BY HELPING PEOPLE BUILD BETTER LIVES.

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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 $4,358,062

Program Service Revenue $2,703,741

Investment Income $96,335

Other Revenue $-53,045

TOTAL REVENUE $7,105,093

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,724,244

Fundraising Expenses $409,648

Program Expenses $6,494,432

Other Expenses $1,794,480

TOTAL EXPENSES $7,518,724

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,105,093	$6,418,690	+0.1%
Expenses	$7,518,724	$6,835,240	+0.1%
Net Income	$-413,631	$-416,550	0.0%

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

181

Volunteers

338

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

$331,059

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALAN SMITH	BOARD CHAIR	2.00	Officer Director	$0	$0	$0
VIRGINIA R RANGER	SECOND BOARD VICE CHAIR	2.00	Officer Director	$0	$0	$0
KREAMER ROOKE	FIRST BOARD VICE CHAIR	2.00	Officer Director	$0	$0	$0
MARK CANTALUPPI	BOARD TREASURER	2.00	Officer Director	$0	$0	$0
JUDY BANKS	DIRECTOR	2.00	Director	$0	$0	$0
SAMUEL BARR	DIRECTOR	2.00	Director	$0	$0	$0
JEFF STUEK	DIRECTOR	2.00	Director	$0	$0	$0
JENNY TURECAMO	DIRECTOR	2.00	Director	$0	$0	$0
JESSICA PENA	DIRECTOR	2.00	Director	$0	$0	$0
DIANE TUREK PIRE	DIRECTOR	2.00	Director	$0	$0	$0
BETHANY ABELE	DIRECTOR	2.00	Director	$0	$0	$0
FRED KARAMANOL	DIRECTOR	2.00	Director	$0	$0	$0
DONNA LAWSON	DIRECTOR	2.00	Director	$0	$0	$0
ALEXANDRA LOPEZ	DIRECTOR	2.00	Director	$0	$0	$0
BILL BURKE	DIRECTOR	2.00	Director	$0	$0	$0
SUZY O'MARA	BOARD SECRETARY	2.00	Officer Director	$0	$0	$0
JOHN WALSH	DIRECTOR	2.00	Director	$0	$0	$0
MERCEDES D'ANGELO	DIRECTOR	2.00	Director	$0	$0	$0
TODD MURPHY	DIRECTOR	2.00	Director	$0	$0	$0
NIK HOLGUIN	DIRECTOR	2.00	Director	$0	$0	$0
MARCIA KOCH	DIRECTOR	2.00	Director	$0	$0	$0
LEE SCHUBERT	DIRECTOR	2.00	Director	$0	$0	$0
PATRICE PICARD	CEO	40.00	Officer	$173,641	$10,550	$184,191
COLE JORDAN	CFO	40.00	Officer	$116,620	$30,248	$146,868
GWENN HELLER-DELLAPELLE	DIRECTOR OF DEVELOPMENT	40.00	Highest	$106,620	$30,248	$136,868
JACQUELYN LOOBY	VICE PRESIDENT, PROGRAMS	40.00	Highest	$105,455	$9,842	$115,297

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	$7,105,093	$7,518,724	$10,755,290	$-413,631
2023	$6,418,690	$6,835,240	$9,422,944	$-416,550
2022	$5,624,542	$5,865,361	$9,094,585	$-240,819
2021	$6,394,111	$5,100,914	$10,123,154	$1,293,197
2020	$4,209,004	$4,863,433	$10,155,908	$-654,429
2019	$4,727,858	$4,942,123	$10,225,615	$-214,265
2018	$4,569,041	$4,624,746	$9,986,158	$-55,705

CORNERSTONE FAMILY PROGRAMS