CUMACECHO INC

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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

1985

Legal Domicile

Principal Officer

JESSICA PADILLA GONZALEZ

Phone

9737425518

Tax Period

2023-01-01 to 2023-12-31

CUMACECHO INC, founded in 1985, is a community nonprofit in the Human Services sector that reported $8.2M in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum.

Mission

THE ORGANIZATIONS MISSION IS TO FIGHT HUNGER AND ITS ROOT CAUSES THROUGH A HOLISTIC, TRAUMA-INFORMED APPROACH THAT PROVIDES GROCERIES AND BASIC NECESSITIES TO FAMILIES AND INDIVIDUALS IN NEED.

Program Service Accomplishments

Program 1

Expenses: $7,470,739

FOOD PROCUREMENT AND DISTRIBUTIONCUMAC offers a choice marketplace where clients can choose the food they need to make healthy meals for their families. The marketplace offers monthly groceries to...

FOOD PROCUREMENT AND DISTRIBUTIONCUMAC offers a choice marketplace where clients can choose the food they need to make healthy meals for their families. The marketplace offers monthly groceries to over 53,000 people. Client choice means that our families can make meals that fit their preferences and culture. The CUMAC Food Depot is a warehouse that stores, moves, and sorts all of CUMACs food donations, rescue and gleaning food, and food bank allocations for distribution to defined partners and areas of need throughout northern New Jersey.

Program 2

Expenses: $407,799

COMMUNITY ENGAGEMENT AND OUTREACHAlong with providing our guests with nutritious, culturally appropriate groceries, CUMAC's Community Advocates support the people we serve by assisting individuals to apply for financial resources such as SNAP, LIHEAP and Medicaid. We disseminate important information about nutrition, vaccinations, and overall healthy living. All of our work is supplemented by trauma-informed conversations where we discuss the effects of adversity, stress and the importance of resilience. We partner with community members to ensure that people have the resources they need to lead healthy, independent lives.

Program 3

Expenses: $121,396

HOUSING PROCUREMENT Place of Promise is a permanent supportive housing program that serves chronically homeless individuals. Each community member receives support as they set and meet personal goals and connect to resources that will help them to become more self-sufficient and live healthy and productive 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 (2023)

Revenue Breakdown

Contributions & Grants $8,048,974

Program Service Revenue $7,000

Investment Income $23,159

Other Revenue $91,453

TOTAL REVENUE $8,170,586

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,797,471

Fundraising Expenses $186,537

Program Expenses $7,999,934

Other Expenses $6,735,419

TOTAL EXPENSES $8,532,890

Year-over-Year Comparison

	2023	2022	Change
Revenue	$8,170,586	$6,328,183	+0.3%
Expenses	$8,532,890	$6,478,526	+0.3%
Net Income	$-362,304	$-150,343	+1.4%

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

1000

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

$9,586

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAURA PURDY	COO	40.00		$98,161	$18,284	$116,445
ROSE BATES	CHIEF PROG. OFF.	40.00		$98,161	$18,284	$116,445
JESSICA P GONZALEZ	CEO	40.00		$109,615	$0	$109,615
GENE BILZ	Trustee	2.00	Director	$9,586	$0	$9,586
KEVIN THWALA	Trustee	1.00	Director	$0	$0	$0
JULIET JONES	Trustee	1.00	Director	$0	$0	$0
AARON FURTADO	Treasurer	1.00	Officer Director	$0	$0	$0
WAYNE PLUMSTEAD	Secretary	1.00	Director	$0	$0	$0
MONICA COUNCIL-MILES	Trustee	1.00	Director	$0	$0	$0
ZOILA JENNINGS	Trustee	1.00	Director	$0	$0	$0
REVEREND DAVID EDWARDS	Trustee	1.00	Director	$0	$0	$0
JULIE HOLLAND	President	1.00	Officer Director	$0	$0	$0
STEPHANIE SCHWARTZ	Vice President	1.00	Officer Director	$0	$0	$0
MICHAEL CAMPBELL	Secretary	1.00	Officer Director	$0	$0	$0
KRISTIN STUEK	Trustee	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	$8,170,586	$8,532,890	$2,740,648	$-362,304
2023	$8,262,946	$8,532,131	$2,695,490	$-269,185
2022	$6,234,697	$6,478,526	$3,230,232	$-243,829
2022	$6,328,183	$6,478,526	$3,357,851	$-150,343
2021	$5,734,886	$4,628,210	$2,528,208	$1,106,676
2020	$5,188,661	$4,819,958	$1,601,743	$368,703
2019	$4,598,961	$4,387,506	$1,124,311	$211,455
2018	$4,453,222	$4,403,109	$926,310	$50,113