CUMBERLAND FIRE DISTRICT

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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

2010

Legal Domicile

Phone

7158228107

Tax Period

2025-01-01 to 2025-12-31

CUMBERLAND FIRE DISTRICT, founded in 2010, is a small nonprofit in the Public Safety sector that reported $295K in total revenue in fiscal year 2025. Expenses of $281K left a modest 5% surplus.

Mission

TO OPERATE AND MAINTAIN A RURAL COMMUNITY FIRE DEPARTMENT

Program Service Accomplishments

Program 1

Expenses: $276,111

TO OPERATE AND MAINTAIN A FIRE DEPARTEMENT AND TO PROVIDE FIRE PROTECTION FOR ALL PROPERTY OWNERS WITHIN THE DISTRICT. TO PROVIDE VEHICLE EXTRACTION AND RESCUE SERVICES, COOPERATE WITH OTHER FIRE...

TO OPERATE AND MAINTAIN A FIRE DEPARTEMENT AND TO PROVIDE FIRE PROTECTION FOR ALL PROPERTY OWNERS WITHIN THE DISTRICT. TO PROVIDE VEHICLE EXTRACTION AND RESCUE SERVICES, COOPERATE WITH OTHER FIRE PROTECTION DISTRICTS AS WELL AS OTHER EMERGENCY REPSPONSE OR LAW ENFORCEMENT AGENCIES. TO PROVIDE INCIDENT COMMAND SERVICES FOR OTHER EMERGENCY AND HAZARDOUS REPSPONSES WITHIN THE DISTRICT. TO PROVIDE OTHER LAWFUL SERVICES WITHIN THE DISTRICT AS AUTHORIZED BY OTHER AUTHORITIES.

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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 $76,113

Program Service Revenue $206,109

Investment Income $7,931

Other Revenue $5,002

TOTAL REVENUE $295,155

Expense Breakdown

Grants Paid $0

Salaries & Benefits $78,264

Fundraising Expenses $0

Program Expenses $276,111

Other Expenses $192,548

TOTAL EXPENSES $281,289

Year-over-Year Comparison

	2025	2024	Change
Revenue	$295,155	N/A	N/A
Expenses	$281,289	N/A	N/A
Net Income	$13,866	N/A	N/A

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

N/A

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	Role	Reportable Comp	Other Comp	Total
JAMES HULLEMAN	TREASURER	Director	$0	$0	$0
RICK SCHILL	VICE CHAIRMAN	Director	$0	$0	$0
MICHAEL CIFALDI	PRESIDENT	Director	$0	$0	$0
TOM BROWN	CHAIRMAN	Director	$0	$0	$0
CRAIG NELSON	CHAIRMAN	Officer	$0	$0	$0
DENNIS JENKINS	CHAIRMAN	Officer	$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	$295,155	$281,289	$600,013	$13,866
2024	$231,317	$258,035	$601,524	$-26,718
2023	$243,064	$241,537	$643,860	$1,527
2022	$219,981	$244,830	$763,347	$-24,849
2021	$200,232	$233,243	$696,991	$-33,011
2019	$178,684	$186,520	$588,559	$-7,836
2018	$170,812	$125,739	$595,237	$45,073