COOPERATIVE BUSINESS ASSISTANCE CORPORATION (EIN 222807816) - 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

1987

Legal Domicile

Phone

8569668181

Tax Period

2024-07-01 to 2025-06-30

COOPERATIVE BUSINESS ASSISTANCE CORPORATION, founded in 1987, is a community nonprofit in the Community Improvement sector that reported $2.1M in total revenue in fiscal year 2024. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $2.0M left a modest 4% surplus.

Mission

ECONOMIC AND COMMUNITY DEVELOPMENT

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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 $852,000

Program Service Revenue $1,196,698

Investment Income $57,604

Other Revenue $9,198

TOTAL REVENUE $2,115,500

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,261,735

Fundraising Expenses $0

Program Expenses $341,597

Other Expenses $776,443

TOTAL EXPENSES $2,038,178

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,115,500	$2,831,691	-0.3%
Expenses	$2,038,178	$2,516,345	-0.2%
Net Income	$77,322	$315,346	-0.8%

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

$347,366

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HARRY STONE	PRES/NON-VOTING	40.00	Officer	$204,966	$0	$204,966
STEVEN M WINHELD	CFO	40.00	Officer	$142,400	$0	$142,400
BARBARA ANNE GARDENHIRE-MILLS	COMPL/ENGAGE OFF	40.00		$118,892	$0	$118,892
BRIAN C STONE	FINANCE/TECHNICAL	40.00		$110,653	$0	$110,653
ADAM BUTTER	MEMBER	0.00	Director	$0	$0	$0
PATRICIA BOYLE	MEMBER	0.00	Director	$0	$0	$0
CLARENCE FULLARD CPA	MEMBER	0.00	Director	$0	$0	$0
REYNOLD CICALESE III	MEMBER	0.00	Director	$0	$0	$0
DJ ADAMS	Chairman	0.00	Officer Director	$0	$0	$0
DOUGLAS SMITH	ASST. SEC/TREAS	0.00	Officer Director	$0	$0	$0
JOSEPH TREDINNICK	VICE CHAIRMAN	0.00	Officer Director	$0	$0	$0
LISA VISCUSI	Secretary/TREAS	0.00	Officer 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	$2,115,500	$2,038,178	$25,121,325	$77,322
2024	$2,831,691	$2,516,345	$26,167,412	$315,346
2023	$3,007,741	$2,478,341	$27,073,706	$529,400
2022	$5,424,289	$2,197,555	$25,530,921	$3,226,734
2021	$4,371,197	$2,277,920	$22,451,383	$2,093,277
2020	$1,915,727	$1,849,646	$19,630,281	$66,081
2019	$1,972,303	$1,756,462	$19,274,810	$215,841

COOPERATIVE BUSINESS ASSISTANCE CORPORATION