CUMBERLAND HEALTHNET 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

2012

Legal Domicile

Principal Officer

DR MICHAEL ZAPPA

Phone

9104836869

Tax Period

2024-07-01 to 2025-06-30

CUMBERLAND HEALTHNET INC, founded in 2012, is a small nonprofit in the Health Care sector that reported $717K in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year. Expenses of $689K left a modest 4% surplus.

Mission

TO PROVIDE ACCESS TO HOLISTIC WRAP AROUND SERVICE THAT IMPROVE OUTCOMES FOR INDIVIDUALS WITH HEALTH INEQUITIES.

Program Service Accomplishments

Program 1

Expenses: $569,402

COLLABORATIVE NETWORK OF COMMUNITY ORGANIZATIONS WORKING TOGETHER TO PROVIDE ACCESS TO HEALTHCARE FOR THE UNINSURED.

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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 $716,689

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $716,689

Expense Breakdown

Grants Paid $0

Salaries & Benefits $414,451

Fundraising Expenses $8,289

Program Expenses $569,402

Other Expenses $274,884

TOTAL EXPENSES $689,335

Year-over-Year Comparison

	2024	2023	Change
Revenue	$716,689	$884,569	-0.2%
Expenses	$689,335	$950,001	-0.3%
Net Income	$27,354	$-65,432	-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

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
TONJA BAILEY	SECRETARY	N/A	Officer Director	$0	$0	$0
JEFFEREY RAWLINGS	BOARD MEMBER	N/A	Director	$0	$0	$0
BRENDA SPARKS	TREASURER	N/A	Officer Director	$0	$0	$0
TONYA STRICKLAND	BOARD MEMBER	N/A	Director	$0	$0	$0
DR KRYSTLE VINSON	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
DR MURTIS WORTH	BOARD MEMBER	N/A	Director	$0	$0	$0
DR MICHAEL ZAPPA	CHAIRMAN	N/A	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	$716,689	$689,335	$239,608	$27,354
2024	$884,569	$950,001	$234,828	$-65,432
2023	$1,123,843	$1,288,677	$404,862	$-164,834
2022	$1,605,136	$1,403,085	$484,520	$202,051
2021	$703,900	$563,989	$237,032	$139,911
2020	$552,265	$558,593	$195,628	$-6,328
2019	$548,279	$520,301	$131,464	$27,978