CORD BLOOD ASSOCIATION

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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

Phone

6304639040

Tax Period

2025-01-01 to 2025-12-31

CORD BLOOD ASSOCIATION, founded in 2014, is a small nonprofit in the Community Improvement sector that reported $339K in total revenue in fiscal year 2025. Revenue fell 50% from the prior year — a significant decline worth monitoring. Expenses of $409K exceeded revenue, resulting in a 21% operating deficit.

Mission

PROMOTE THE WORK OF THE CORD BLOOD COMMUNITY FOR THE PURPOSE OF SAVING LIVES, IMPROVING HEALTH AND CHANGING MEDICINE.

Program Service Accomplishments

Program 1

THE CORD BLOOD ASSOCIATION HAS FIVE PRIORITIES:QUALITY PRODUCTS AND SERVICES - THROUGH PROMOTION OF STANDARDS AND ACCREDITATIONADVOCACY - BY REPRESENTING THE INDUSTRY NATIONALLY AND INTERNATIONALLY IN MATTERS OF HEALTH CARE POLICY, LEGISLATION, REGULATION AND PUBLIC AND PRIVATE HEALTHCARE PROGRAMSMARKET EXPANTION - WITH READILY AVAILABLE CONSUMER ACCESS TO BANKING SERVICES AND CELLULAR THERAPIESRESEARCH AND DEVELOPMENT - THROUGH ADVANCEMENT AND RAPID ADOPTION OFNOVEL TECHNOLOGIES AND THERAPIESEDUCATION - WITH AWARE, INFORMED AND EMPOWERED PARENTS, HEALTHCAREPROVIDERS AND GENERAL PUBLIC

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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 $35,500

Program Service Revenue $303,342

Investment Income $0

Other Revenue $0

TOTAL REVENUE $338,842

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $409,022

TOTAL EXPENSES $409,022

Year-over-Year Comparison

	2025	2024	Change
Revenue	$338,842	$674,607	-0.5%
Expenses	$409,022	$760,150	-0.5%
Net Income	$-70,180	$-85,543	-0.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOANNE KURTZBERG	President	1.00	Officer Director	$0	$0	$0
Colleen Delaney	Vice President	1.00	Officer Director	$0	$0	$0
Beth Shaz	Secretary	1.00	Officer Director	$0	$0	$0
Marcie Finney	Treasurer	1.00	Officer Director	$0	$0	$0
Karen Ballen	Director	1.00	Director	$0	$0	$0
Tomasz Baran	Director	1.00	Director	$0	$0	$0
Jonathan Carmichael	Director	1.00	Director	$0	$0	$0
Njaire Elwood	Director	1.00	Director	$0	$0	$0
Gesine Koegler	Director	1.00	Director	$0	$0	$0
Charles Lu	Director	1.00	Director	$0	$0	$0
Caridad Martinez	Director	1.00	Director	$0	$0	$0
Leland Matheny	Director	1.00	Director	$0	$0	$0
Aby J Mathew	Director	1.00	Director	$0	$0	$0
Filippo Milano	Director	1.00	Director	$0	$0	$0
Jonas Wang	Director	1.00	Director	$0	$0	$0
Jeffrey Wilson	Director	1.00	Director	$0	$0	$0
Louise Ristau	Executive Dir.	40.00	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	$338,842	$409,022	No data	$-70,180
2024	$674,607	$760,150	$162,463	$-85,543
2023	$603,820	$783,460	$312,751	$-179,640
2022	$712,161	$942,172	$367,874	$-230,011
2021	$649,433	$514,458	$572,477	$134,975
2020	$600,880	$449,374	$442,898	$151,506
2019	$821,962	$778,708	$290,249	$43,254
2018	$850,279	$759,588	$251,167	$90,691