CUMBERLAND VALLEY HOUSING CORP (EIN 465767689) - 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

LEIGHANN COREY

Phone

6065469324

Tax Period

2024-10-01 to 2025-09-30

CUMBERLAND VALLEY HOUSING CORP, founded in 2014, is a small nonprofit in the Housing & Shelter sector that reported $105K in total revenue in fiscal year 2024. Revenue surged 60% from the prior year, signaling strong growth momentum. The organization ran a surplus of $98K, a strong 94% operating margin.

Mission

THE CORPORATION IS ORGANIZED EXCLUSIVELY FOR CHARITABLE, RELIGIOUS, EDUCATIONAL AND SCIENTIFIC PURPOSES. THE CORPORATION IS BEING ORGANIZED FOR THE PRIMARY PURPOSES OF: (A) PROVIDING DECENT, AFFORDABLE HOUSING TO LOW AND MODERATE INCOME PERSONS LIVING IN THE CORPORATION'S SERVICE AREA OF KNOX, WHITLEY, AND HARLAN COUNTIES; AND (B) THE CONDUCT OF ANY AND ALL OTHER ACTIVITIES NOT INCONSISTENT WITH THESE PURPOSES. ANY PROVISION OF THE ARTICLES OF INCORPORATION TO THE CONTRARY NOTWITHSTANDING, THE CORPORATION SHALL NOT CARRY ON ANY OTHER ACTIVITIES NOT PERMITTED TO BE CARRIED ON BY A CORPORATION EXEMPT FROM FEDERAL INCOME TAX UNDER SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE OF 1986 AS AMENDED.

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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 $0

Program Service Revenue $80,069

Investment Income $24,536

Other Revenue $0

TOTAL REVENUE $104,605

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $6,600

TOTAL EXPENSES $6,600

Year-over-Year Comparison

	2024	2023	Change
Revenue	$104,605	$65,395	+0.6%
Expenses	$6,600	$543	+11.2%
Net Income	$98,005	$64,852	+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

N/A

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
COREY CHESNUT	DIRECTOR	0.50	Director	$0	$0	$0
DAVID FAULKNER	DIRECTOR	0.50	Director	$0	$0	$0
DAVID HOWARD	DIRECTOR	0.50	Director	$0	$0	$0
JOHN DAVID KING	DIRECTOR	0.50	Director	$0	$0	$0
CHASE TRIVETTE	DIRECTOR	0.50	Director	$0	$0	$0
LEIGHANN COREY	CEO	1.00	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	$104,605	$6,600	$542,792	$98,005

CUMBERLAND VALLEY HOUSING CORP