CORNERSTONE MONTGOMERY (EIN 520937199) - 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

1971

Legal Domicile

Principal Officer

CARI GUTHRIE

Phone

3017153673

Tax Period

2024-07-01 to 2025-06-30

CORNERSTONE MONTGOMERY, founded in 1971, is a mid-sized nonprofit that reported $34.8M in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

EMPOWER PEOPLE W/MENTAL HEALTH & SUBSTANCE USE DISORDERS TO INTEGRATE SUCCESSFULLY INTO SOCIETY.

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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 $3,555,363

Program Service Revenue $30,933,696

Investment Income $50,252

Other Revenue $244,338

TOTAL REVENUE $34,783,649

Expense Breakdown

Grants Paid $389,829

Salaries & Benefits $27,408,352

Fundraising Expenses $297,251

Program Expenses $27,534,993

Other Expenses $7,164,345

TOTAL EXPENSES $34,962,526

Year-over-Year Comparison

	2024	2023	Change
Revenue	$34,783,649	$31,924,886	+0.1%
Expenses	$34,962,526	$34,567,560	+0.0%
Net Income	$-178,877	$-2,642,674	-0.9%

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

565

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

$661,014

Total Directors

Key Employees

$342,617

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMANDA FREEMAN	CHAIR	1.00	Director	$0	$0	$0
ALICE SANTORO	DIRECTOR	1.00	Director	$0	$0	$0
CLARISSA HARRIS	DIRECTOR	1.00	Director	$0	$0	$0
CINDY RAUNER	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER JETTE	DIRECTOR	1.00	Director	$0	$0	$0
JOEY CHAMBERS	DIRECTOR	1.00	Director	$0	$0	$0
JOHN WILLIE	DIRECTOR	1.00	Director	$0	$0	$0
KAMELIA BAYAT	DIRECTOR	1.00	Director	$0	$0	$0
LESLIE KUX	DIRECTOR	1.00	Director	$0	$0	$0
NATASHA LOUIS	DIRECTOR	2.00	Director	$0	$0	$0
ROSE ARAGHCHY	DIRECTOR	3.00	Director	$0	$0	$0
DUANE DORCH	DIRECTOR	4.00	Director	$0	$0	$0
MONIQUE HARRIS	DIRECTOR	5.00	Director	$0	$0	$0
VARDA FINK	DIRECTOR	6.00	Director	$0	$0	$0
DAN HELHOWSKI	DIRECTOR	1.00	Director	$0	$0	$0
SARAH DWYER	DIRECTOR	1.00	Director	$0	$0	$0
SARAH SOWDEN	DIRECTOR	1.00	Director	$0	$0	$0
MARK ROBINS	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE FRUEWIRTH	DIRECTOR	1.00	Director	$0	$0	$0
MOE ABUTALEB	DIRECTOR	1.00	Director	$0	$0	$0
JOE MILLS	DIRECTOR	1.00	Director	$0	$0	$0
ERKAN ERDEM	DIRECTOR	1.00	Director	$0	$0	$0
ORLANDO WRIGHT	DIRECTOR (UNTIL 08/2024)	1.00	Director	$0	$0	$0
STANLEY ESTREMSKY	CFO & TREASURER	40.00	Officer	$149,727	$26,168	$175,895
CARI GUTHRIE	CHIEF EXECUTIVE OFFICER	40.00	Officer	$242,683	$27,509	$270,192
LISA KATZ	CHIEF PROGRAM OFFICER	40.00	Officer	$126,551	$7,800	$134,351
ALEXANDER KNOLL	SECRETARY	40.00	Officer	$68,059	$12,517	$80,576
JOY CHANG	CHIEF MEDICAL OFFICER	40.00	Key Emp	$305,061	$37,556	$342,617
RAKESH BANSIL	PSYCHIATRIST	40.00	Highest	$320,610	$19,236	$339,846
M LOURDES CASTINEIRA GARCIA	PSYCHIATRIST	40.00	Highest	$134,560	$20,752	$155,312
NADINE KAKANOU	NURSE PRACTITIONER	40.00	Highest	$174,510	$0	$174,510
CHYNWE AHUMARAEZE	NURSE PRACTITIONER	40.00	Highest	$185,805	$20,143	$205,948
WUBESHET TESEMA	PSYCHIATRIST	40.00	Highest	$190,389	$0	$190,389

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	$34,783,649	$34,962,526	$29,974,844	$-178,877
2024	$31,924,886	$34,567,560	$30,693,633	$-2,642,674
2023	$34,372,412	$31,142,222	$34,678,250	$3,230,190
2022	$27,055,478	$27,297,950	$30,003,385	$-242,472
2021	$32,627,133	$25,961,250	$29,771,000	$6,665,883
2020	$26,144,100	$25,463,655	$26,570,397	$680,445
2019	$24,026,048	$24,013,189	$23,172,726	$12,859
2018	$24,101,543	$22,921,162	$23,470,858	$1,180,381

CORNERSTONE MONTGOMERY