OAKLAND CEMETERY ASSOCIATION

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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

Principal Officer

BERNARD LOCKARD

Phone

7244223651

Tax Period

2024-11-01 to 2025-10-31

OAKLAND CEMETERY ASSOCIATION is a small nonprofit that reported $485K in total revenue in fiscal year 2024. Revenue surged 76% from the prior year, signaling strong growth momentum. Expenses of $1.1M exceeded revenue, resulting in a 118% operating deficit.

Mission

OPERATION OF A CEMETERY AND MAUSOLEUM IN WHITE TOWNSHIP, INDIANA COUNTY, PA

Program Service Accomplishments

Program 1

Expenses: $1,052,778 Revenue: $341,754

DURING THE FISCAL YEAR, THE ASSOCIATION SOLD GRAVES, MAUSOLEUM CRYPTS, AND MAUSOLEUM NICHES. THE ASSOCIATION ALSO HANDLED BURIALS AND ENTOMBMENTS. THESE ACTIVITIES WERE IN ADDITION TO THE SIGNIFICANT...

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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 $0

Program Service Revenue $143,817

Investment Income $180,921

Other Revenue $160,286

TOTAL REVENUE $485,024

Expense Breakdown

Grants Paid $0

Salaries & Benefits $159,506

Fundraising Expenses $0

Program Expenses $1,052,778

Other Expenses $898,994

TOTAL EXPENSES $1,058,500

Year-over-Year Comparison

	2024	2023	Change
Revenue	$485,024	$275,964	+0.8%
Expenses	$1,058,500	$399,257	+1.7%
Net Income	$-573,476	$-123,293	+3.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TERRY BUNTON	DIRECTOR	1.00	Director	$0	$0	$0
JOHN CAMPBELL	DIRECTOR	1.00	Officer Director	$0	$0	$0
DEBORAH EDWARDS	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN FEE	DIRECTOR	1.00	Director	$0	$0	$0
GEOFFREY KUGLER	DIRETOR	1.00	Director	$0	$0	$0
BERNARD LOCKARD	PRESIDENT	1.00	Officer Director	$0	$0	$0
JEFF MACK	DIRECTOR	1.00	Director	$0	$0	$0
JOHN PETTINA	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT POLLOCK	DIRECTOR	1.00	Director	$0	$0	$0
LAURA RHODES	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH SCHWARTZ	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
2025	No data	No data	No data	No data
2025	$485,024	$1,058,500	$2,076,447	$-573,476
2024	$275,964	$399,257	$2,639,189	$-123,293
2023	$328,289	$405,065	$2,760,866	$-76,776
2022	$637,493	$386,643	$2,833,332	$250,850
2021	$497,224	$340,480	$2,592,123	$156,744
2020	$336,732	$360,473	$2,429,054	$-23,741
2019	$368,162	$293,072	$2,450,747	$75,090
2018	$405,698	$260,006	$2,380,689	$145,692