COTTONWOOD POINT INC (EIN 481150045) - 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

1994

Legal Domicile

Principal Officer

CARMEN MONTAGUE

Phone

3167750368

Tax Period

2024-06-01 to 2025-05-31

COTTONWOOD POINT INC, founded in 1994, is a community nonprofit in the Health Care sector that reported $1.0M in total revenue in fiscal year 2024. The organization ran a surplus of $271K, a strong 27% operating margin.

Mission

COTTONWOOD POINT IS QUALITY APARTMENT LIVING FOR SENIORS. THE SURROUNDINGS, AMENITITES AND SERVICES ARE WELL THOUGHT OUT TO MEET SENIORS NEEDS AS WELL AS THE DESIRE FOR PRIVATE, HOME-LIKE LIVING.

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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 $942,287

Investment Income $9,681

Other Revenue $55,591

TOTAL REVENUE $1,007,559

Expense Breakdown

Grants Paid $0

Salaries & Benefits $293,499

Fundraising Expenses $0

Program Expenses $653,148

Other Expenses $443,230

TOTAL EXPENSES $736,729

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,007,559	$945,341	+0.1%
Expenses	$736,729	$852,001	-0.1%
Net Income	$270,830	$93,340	+1.9%

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

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

$59,251

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARMEN MONTAGUE	DIRECTOR OF	40.00	Officer	$59,251	$0	$59,251
DIEDRE CHAPIN	SECRETARY	N/A	Officer Director	$0	$0	$0
CLINT HEADLEY	DIRECTOR	N/A	Director	$0	$0	$0
BOB HIRSCHFELD	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
BRETT KAPPLEMAN	DIRECTOR	N/A	Director	$0	$0	$0
BILL MORRIS	DIRECTOR	N/A	Director	$0	$0	$0
ROSE RIDDER	DIRECTOR	N/A	Director	$0	$0	$0
HAROLD SWEARINGEN	PRESIDENT	N/A	Officer Director	$0	$0	$0
JIM WHITEHILL	DIRECTOR	N/A	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	$1,007,559	$736,729	$1,075,014	$270,830
2024	$945,341	$852,001	$808,479	$93,340
2023	$873,496	$740,856	$867,319	$132,640
2022	$836,590	$687,846	$879,996	$148,744
2021	$837,069	$649,560	$888,519	$187,509
2020	$895,099	$662,548	$883,692	$232,551
2019	$815,671	$592,395	$1,077,254	$223,276

COTTONWOOD POINT INC