Cumming Home Ministries Inc (EIN 460976099) - 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

2014

Legal Domicile

Principal Officer

Karen Rivera

Phone

6784565544

Tax Period

2024-01-01 to 2024-12-31

Cumming Home Ministries Inc, founded in 2014, is a small nonprofit in the Housing & Shelter sector that reported $676K in total revenue in fiscal year 2024. Expenses of $653K left a modest 3% surplus.

Mission

Support and sponsor those experiencing hopelessness and homelessness, through residential rehabilitation, recovery and treatment programs, Christian-based spiritual mentopring and counseling, life skills training and resources infused with Godly hope for long term postive changes

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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 $69,010

Program Service Revenue $0

Investment Income $99

Other Revenue $606,826

TOTAL REVENUE $675,935

Expense Breakdown

Grants Paid $0

Salaries & Benefits $170,529

Fundraising Expenses $0

Program Expenses $605,377

Other Expenses $482,063

TOTAL EXPENSES $652,592

Year-over-Year Comparison

	2024	2023	Change
Revenue	$675,935	$629,418	+0.1%
Expenses	$652,592	$541,180	+0.2%
Net Income	$23,343	$88,238	-0.7%

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

N/A

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

$51,444

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Karen Rivera	Executive Director	40.00	Officer	$51,444	$0	$51,444
Mike Ziomek	Treasurer	3.00	Director	$0	$0	$0
Dan Francis	Chairman	10.00	Director	$0	$0	$0
Ron Monson	Director	10.00	Director	$0	$0	$0
Robby Robinson	Secretary	10.00	Director	$0	$0	$0
Jamea McCarthy	Director	2.00	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
2024	$675,935	$652,592	$186,201	$23,343
2023	$629,418	$541,180	$165,583	$88,238
2022	$484,617	$487,274	$76,763	$-2,657
2021	$455,901	$448,765	$126,850	$7,136
2020	$356,233	$379,831	$186,359	$-23,598
2019	$385,369	$350,822	$94,891	$34,547
2018	$371,842	$344,765	$61,337	$27,077

Cumming Home Ministries Inc