COMMONWEALTH COMMUNITY TRUST (EIN 541565250) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1990

Legal Domicile

Principal Officer

JOANNE MARCUS

Phone

8047406930

Tax Period

2025-01-01 to 2025-12-31

COMMONWEALTH COMMUNITY TRUST ENDOWMENT FUND, founded in 1990, is a community nonprofit in the Health Care sector that reported $1.0M in total revenue in fiscal year 2018. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $870K left a modest 14% surplus.

Mission

TO SERVE INDIVIDUALS THROUGHOUT THE UNITED STATES WHO ARE VULNERABLE, INJURED, OR LIVING WITH A DISABILITY BY PROVIDING A STRUCTURED FRAMEWORK FOR CONVENIENT AND COST-EFFECTIVE POOLED TRUST ADMINISTRATION SERVICES THAT SUPPLEMENT GOVERNMENT BENEFIT PROGRAMS, INCLUDING SUPPLEMENTAL SECURITY INCOME (SSI) AND MEDICAID. CCT IS FURTHER COMMITTED TO EDUCATING INDIVIDUALS WITH DISABILITIES, THEIR FAMILIES, AND PROFESSIONALS ABOUT THE BENEFITS AND PROTECTIONS AFFORDED BY A POOLED TRUST. ADDITIONALLY, THROUGH CCT'S CHARITABLE FUND AWARD PROGRAM, THE ORGANIZATION AWARDS MONETARY GRANTS TO INDIVIDUALS WITH DISABILITIES WHO DEMONSTRATE FINANCIAL NEED, TO BE USED TOWARD ESSENTIAL SERVICES AND/OR EQUIPMENT.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $1,969,343

Program Service Revenue $1,633,290

Investment Income $85,127

Other Revenue $1,473

TOTAL REVENUE $3,689,233

Expense Breakdown

Grants Paid $122,432

Salaries & Benefits $2,443,067

Fundraising Expenses $0

Program Expenses $2,583,002

Other Expenses $761,870

TOTAL EXPENSES $3,327,369

Year-over-Year Comparison

	2025	2024	Change
Revenue	$3,689,233	$3,056,588	+0.2%
Expenses	$3,327,369	$2,910,897	+0.1%
Net Income	$361,864	$145,691	+1.5%

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

$344,573

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALEXANDRA BADMAN ESQ	CHAIR	1.00	Officer Director	$0	$0	$0
CHERYL L PAGE CFA CFP	CHAIR-ELECT	1.00	Officer Director	$0	$0	$0
STEPHANIE E GRANA	PAST-CHAIR	1.00	Officer Director	$0	$0	$0
LUCINDA WEIGEL	TREASURER	1.00	Officer Director	$0	$0	$0
RICHARD KUNZ MD	SECRETARY	1.00	Officer Director	$0	$0	$0
LATESHIA G BROWN LCSW	MEMBER	1.00	Director	$0	$0	$0
STEPHEN D BURNS ESQ	MEMBER	1.00	Director	$0	$0	$0
BRETT CORSELLO	MEMBER	1.00	Director	$0	$0	$0
PIERRE GREENE MBA	MEMBER	1.00	Director	$0	$0	$0
SUSANNA B JONES	MEMBER	1.00	Director	$0	$0	$0
STEPHEN KIMBERLIN	MEMBER	1.00	Director	$0	$0	$0
B BAILEY LIIPFERT III CELA	MEMBER	1.00	Director	$0	$0	$0
EDWARD PRATCHETT	MEMBER	1.00	Director	$0	$0	$0
BAGLEY REID CPA	MEMBER	1.00	Director	$0	$0	$0
BRODY REID	MEMBER	1.00	Director	$0	$0	$0
SEAN RUTHERFORD CPA	MEMBER	1.00	Director	$0	$0	$0
PETER W TOMASCH CFP	MEMBER	1.00	Director	$0	$0	$0
MARC A VERDI CPAPFS CFP	MEMBER	1.00	Director	$0	$0	$0
JOANNE MARCUS	PRESIDENT/CE	40.00	Officer	$324,002	$20,571	$344,573
BEN TIEFENBACK	DIRECTOR CLI	40.00	Highest	$152,883	$9,073	$161,956
RACHAEL BAER	DIRECTOR NEW	40.00	Highest	$128,272	$12,699	$140,971
JASON FOSTER	DIRECTOR FIN	40.00	Highest	$106,969	$7,924	$114,893

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	$3,689,233	$3,327,369	$4,774,426	$361,864
2024	$3,056,588	$2,910,897	$3,513,786	$145,691
2023	$2,966,400	$2,752,941	$3,323,305	$213,459
2022	$2,022,631	$2,291,366	$2,873,556	$-268,735
2021	$1,860,276	$1,765,213	$3,333,150	$95,063
2020	$1,912,685	$1,523,581	$3,262,740	$389,104
2019	$1,252,175	$988,789	$2,819,926	$263,386
2018	$1,006,305	$870,137	$2,301,609	$136,168

COMMONWEALTH COMMUNITY TRUST