THE LIFE CENTER OF CUMBERLAND COUNTY (EIN 371098813) - 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

1980

Legal Domicile

Principal Officer

CHARLES PHILLIPS

Phone

2178493965

Tax Period

2024-10-01 to 2025-09-30

LIFE CENTER OF CUMBERLAND COUNTY, founded in 1980, is a small nonprofit that reported $195K in total revenue in fiscal year 2017. Revenue fell 33% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $54K, a strong 28% operating margin.

Mission

TO PROVIDE A COMMUNITY FOCAL POINT WHERE OLDER PERSONS, AS INDIVIDUALS OR IN GROUPS, HAVE ACCESS TO A WIDE VARIETY OF SERVICES AND ACTIVITIES

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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 $297,067

Program Service Revenue $303

Investment Income $14,052

Other Revenue $20,489

TOTAL REVENUE $331,911

Expense Breakdown

Grants Paid $0

Salaries & Benefits $198,965

Fundraising Expenses $8,140

Program Expenses $254,557

Other Expenses $95,486

TOTAL EXPENSES $294,451

Year-over-Year Comparison

	2024	2023	Change
Revenue	$331,911	$416,458	-0.2%
Expenses	$294,451	$342,282	-0.1%
Net Income	$37,460	$74,176	-0.5%

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

1000

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

$54,900

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA MCCARTER	Executive Dir.	40.00	Officer	$54,900	$0	$54,900
CHARLES PHILLIPS	President	1.00	Officer Director	$0	$0	$0
EUGENE NICHOLS	Treasurer	1.00	Officer Director	$0	$0	$0
SUSAN GUINNIP	Secretary	1.00	Officer Director	$0	$0	$0
RICHARD EBBERT	Director	1.00	Director	$0	$0	$0
JAVETTA KEMPER	Director	1.00	Director	$0	$0	$0
MADILYN RYDER	Vice President	1.00	Officer Director	$0	$0	$0
SANDRA BOWMAN	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	$331,911	$294,451	$759,170	$37,460
2024	$416,458	$353,594	$737,495	$62,864
2023	$332,167	$293,072	$658,547	$39,095
2022	$286,201	$246,417	$613,714	$39,784
2021	$271,041	$182,319	$567,384	$88,722
2020	$232,985	$206,950	$491,437	$26,035
2019	$182,763	$176,103	$449,364	$6,660
2018	$194,716	$140,844	$440,548	$53,872

THE LIFE CENTER OF CUMBERLAND COUNTY