Composite Panel 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

1960

Legal Domicile

Principal Officer

Andrew T O'Hare

Phone

7037241128

Tax Period

2025-01-01 to 2025-12-31

Composite Panel Association, founded in 1960, is a community nonprofit that reported $4.3M in total revenue in fiscal year 2025. Expenses of $4.1M left a modest 5% surplus.

Mission

To further the acceptance and use of particleboard, medium density fiberboard (MDF), hardboard and engineered wood siding and trim (EWST) as a building material, conduct technical research and provide third party certification for composite panel manufacturers. See Sch O

Program Service Accomplishments

Program 1

Labratory and Grademark: CPA operates an independent International Testing Center (ITC) in Leesburg, Virginia and manages the Grademark Certification Program, the largest and most stringent testing and certification program of its kind for North American composite panel products. The Association also helps manufacturers create on-site quality control programs through educational programs and technical assistance.The ITC lab and certification program are both accredited to support industry certification and programs and conduct product testing. These activities include verification that physical and mechanical properties and emission values meet specified standards.

Program 2

Annual Meetings: CPA sponsors two annual meetings each spring and fall. These events feature speakers and educational workshops on substantive industry issues, exhibit and sponsorship opportunities to build awareness of members' products and services, and business meetings to develop policies and programs. The annual meetings offer a unique opportunity to network with CPA producer members, distributors, suppliers, end-users and other colleagues.

Program 3

Education and Communications: CPA is an approved provider of continuing education courses for the American Institute of Architects (AIA) and has developed several courses to educate architects and...

Education and Communications: CPA is an approved provider of continuing education courses for the American Institute of Architects (AIA) and has developed several courses to educate architects and designers about the benefits of sourcing wood-based composite panels and decorative surfaces. CPA offers fact sheets and technical bulletins covering a wide range of topics and specifications about the attributes of composite panel products. All are available on the CPA website to members at no charge. The Association publishes a weekly e-newsletter for members titled @the edge providing up-to-date industry and Association news.

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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 $0

Program Service Revenue $4,128,450

Investment Income $126,918

Other Revenue $0

TOTAL REVENUE $4,255,368

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,257,382

Fundraising Expenses $0

Other Expenses $1,798,515

TOTAL EXPENSES $4,055,897

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,255,368	$4,220,844	+0.0%
Expenses	$4,055,897	$4,483,673	-0.1%
Net Income	$199,471	$-262,829	-1.8%

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

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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

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

$648,191

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Steve Carroll	Chair	1.00	Officer Director	$0	$0	$0
Mike Reardon	Vice Chairman	1.00	Officer Director	$0	$0	$0
Matt Swinnie	Secretary/Treasurer	1.00	Officer Director	$0	$0	$0
Marla Chappell	Immediate Past Chair	1.00	Officer Director	$0	$0	$0
Al Stobbart	Director	1.00	Director	$0	$0	$0
Brad Harvey	Director	1.00	Director	$0	$0	$0
Dan Beaty	Director	1.00	Director	$0	$0	$0
David Smith	Director	1.00	Director	$0	$0	$0
Dirk Koltze	Director	1.00	Director	$0	$0	$0
Doug Hart	Director	1.00	Director	$0	$0	$0
Elliott Savage	Director	1.00	Director	$0	$0	$0
Emilio Ayub Touche	Director	1.00	Director	$0	$0	$0
JP Maultsby	Director	1.00	Director	$0	$0	$0
James Hogg	Director	1.00	Director	$0	$0	$0
James Laundry	Director	1.00	Director	$0	$0	$0
Jimmy Juska	Director	1.00	Director	$0	$0	$0
Kyle Kennedy	Director	1.00	Director	$0	$0	$0
Louis Brassard	Director	1.00	Director	$0	$0	$0
Mike Mai	Director	1.00	Director	$0	$0	$0
Pat Aldred	Director	1.00	Director	$0	$0	$0
Peter Stasiowski	Director	1.00	Director	$0	$0	$0
Randy Tallman	Director	1.00	Director	$0	$0	$0
Ray Chaaraoui	Director	1.00	Director	$0	$0	$0
Ric Aikmen	Director	1.00	Director	$0	$0	$0
Shane Brannan	Director	1.00	Director	$0	$0	$0
Steve Sauter	Director	1.00	Director	$0	$0	$0
Steve Swartzmiller	Director	1.00	Director	$0	$0	$0
Todd Wegman	Director	1.00	Director	$0	$0	$0
Andrew T O'Hare	President	37.50	Officer	$360,848	$53,010	$413,858
Jeanne E Ervin	Chief Operating Officer	37.50	Officer	$184,307	$50,026	$234,333
Allyson O'Sullivan	VP Marketing & Meetings	37.50	Highest	$161,576	$53,000	$214,576
Connie Klinkam	Sr Director, Technical Services	37.50	Highest	$155,979	$11,384	$167,363
Brian Sause	Dir., Certification & Industry Affairs	37.50	Highest	$138,836	$12,834	$151,670
June Sloper	Manager, Accounting	37.50	Highest	$102,182	$42,708	$144,890

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	$4,255,368	$4,055,897	$4,779,084	$199,471
2024	$4,220,844	$4,483,673	$4,858,062	$-262,829
2023	$4,116,291	$4,249,031	$5,004,574	$-132,740
2022	$4,282,229	$3,881,367	$5,193,800	$400,862
2021	$3,754,623	$3,330,824	$5,282,758	$423,799
2020	$3,603,124	$3,198,949	$4,875,396	$404,175
2019	$4,171,975	$3,814,195	$4,582,167	$357,780
2018	$3,883,864	$3,651,416	$4,155,700	$232,448