CUMBERLAND SENIOR HOUSING ASSOC (EIN 232447043) - 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

1998

Legal Domicile

Principal Officer

STEPHEN G LANDIS

Phone

7172490789

Tax Period

2024-01-01 to 2024-12-31

CUMBERLAND SENIOR HOUSING ASSOC, founded in 1998, is a small nonprofit in the Housing & Shelter sector that reported $397K in total revenue in fiscal year 2024. Revenue surged 320% from the prior year, signaling strong growth momentum. The organization ran a surplus of $231K, a strong 58% operating margin.

Mission

TO PROVIDE SAFE, DECENT, AND AFFORDABLE HOUSING THE ELDERLY.

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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 $86,557

Program Service Revenue $308,404

Investment Income $1,874

Other Revenue $0

TOTAL REVENUE $396,835

Expense Breakdown

Grants Paid $0

Salaries & Benefits $27,902

Fundraising Expenses $0

Program Expenses $166,181

Other Expenses $138,279

TOTAL EXPENSES $166,181

Year-over-Year Comparison

	2024	2023	Change
Revenue	$396,835	$94,394	+3.2%
Expenses	$166,181	$149,709	+0.1%
Net Income	$230,654	$-55,315	-5.2%

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

N/A

Volunteers

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN BYERS	SECRETARY	2.00	Officer Director	$0	$0	$0
PATRICIA FREY	DIRECTOR	1.00	Director	$0	$0	$0
BOB JOHNSON	V PRESIDENT	2.00	Officer Director	$0	$0	$0
STEPHEN G LANDIS	PRESIDENT	2.00	Officer Director	$0	$0	$0
JASON MADDUX	DIRECTOR	1.00	Director	$0	$0	$0
JEFFERY C MILLER	TREASURER	2.00	Officer Director	$0	$0	$0
GINNY MOWERY	DIRECTOR	1.00	Director	$0	$0	$0
AMY NEUROHR	DIRECTOR	1.00	Director	$0	$0	$0
GERALD WALN	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	$396,835	$166,181	$2,134,961	$230,654
2023	$94,394	$149,709	$1,840,244	$-55,315
2023	$115,624	$163,900	$1,844,004	$-48,276
2022	$583,494	$158,433	$1,891,891	$425,061
2021	$119,185	$172,079	$1,428,716	$-52,894
2020	$120,239	$160,464	$1,493,989	$-40,225
2019	$129,428	$149,295	$1,543,754	$-19,867
2018	$122,691	$136,201	$3,127,027	$-13,510

CUMBERLAND SENIOR HOUSING ASSOC