Heart of the Cumberland Inc (EIN 263722944) - 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

2008

Legal Domicile

Principal Officer

Paige Mills

Phone

9315252600

Tax Period

2025-01-01 to 2025-12-31

Heart of the Cumberland Inc, founded in 2008, is a small nonprofit in the Mental Health sector that reported $323K in total revenue in fiscal year 2025. Revenue decreased 16% compared to the prior year. Expenses of $312K left a modest 4% surplus.

Mission

Heart of the Cumberlands mission and primary activity is to facilitate grief peer support groups for those who have experienced the loss of a loved one.

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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 (2025)

Revenue Breakdown

Contributions & Grants $275,009

Program Service Revenue $39,180

Investment Income $9,296

Other Revenue $0

TOTAL REVENUE $323,485

Expense Breakdown

Grants Paid $0

Salaries & Benefits $189,662

Fundraising Expenses $0

Program Expenses $256,557

Other Expenses $122,274

TOTAL EXPENSES $311,936

Year-over-Year Comparison

	2025	2024	Change
Revenue	$323,485	$383,935	-0.2%
Expenses	$311,936	$243,089	+0.3%
Net Income	$11,549	$140,846	-0.9%

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

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
Tommy Hann	Chairman	1.00	Officer Director	$0	$0	$0
Jill Horner	Vice Chairman	1.00	Officer Director	$0	$0	$0
Paula Mercer	Secretary	1.00	Officer Director	$0	$0	$0
Paige Mills	Treasurer	1.00	Officer Director	$0	$0	$0
John Rust	Director	1.00	Director	$0	$0	$0
Tony Michael	Director	1.00	Director	$0	$0	$0
DK Hall	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	$323,485	$311,936	$415,675	$11,549
2024	No data	No data	No data	No data
2023	$252,070	$227,715	$253,955	$24,355
2022	$217,599	$188,845	$228,781	$28,754
2021	$209,342	$166,293	$201,080	$43,049

Heart of the Cumberland Inc