CUMBERLAND HOUSING ALLIANCE INC (EIN 522209492) - 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

1999

Legal Domicile

Principal Officer

Steve Kesner

Phone

3017246606

Tax Period

2020-04-01 to 2021-03-31

CUMBERLAND HOUSING ALLIANCE INC, founded in 1999, is a micro nonprofit in the Housing & Shelter sector that reported $20K in total revenue in fiscal year 2020. Expenses of $48K exceeded revenue, resulting in a 140% operating deficit.

Mission

OUR MISSION IS TO ADDRESS THE HOUSING AND COMMUNITY ECONOMIC DEVELOPMENT NEEDS OF LOW TO MODERATE INCOME RESIDENTS OF THE AREA THROUGH HOME OWNERSHIP OPPORTUNITIES.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $19,800

Investment Income $0

Other Revenue $0

TOTAL REVENUE $19,800

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $18,864

Other Expenses $47,550

TOTAL EXPENSES $47,550

Year-over-Year Comparison

	2020	2019	Change
Revenue	$19,800	$-71,515	-1.3%
Expenses	$47,550	$64,691	-0.3%
Net Income	$-27,750	$-136,206	-0.8%

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
N/A	CEO	2	Officer	$0	$0	$0
ERIC DELANEY	CHAIRMAN	0.1	Officer	$0	$0	$0
GARLAND KEARNEY	VICE-CHAIRMAN	0.1	Officer	$0	$0	$0
BRUCE IRONS	BOARD MEMBER	0.1	Officer	$0	$0	$0
VALERIE F VANHOLLEN	BOARD MEMBER	0.1	Officer	$0	$0	$0
PHIL CRIPPEN	BOARD MEMBER	0.1	Officer	$0	$0	$0
DONNA MONTELEONE	BOARD MEMBER	0.1	Officer	$0	$0	$0
JEFFREY T METZ	BOARD MEMBER	0.1	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
2021	$19,800	$47,550	$792,052	$-27,750
2020	$-71,515	$64,691	$819,802	$-136,206
2019	$-113,547	$57,037	$969,275	$-170,584

CUMBERLAND HOUSING ALLIANCE INC