CUMBERLAND COMMUNITY FOUNDATION INC (EIN 581406831) - 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

1980

Legal Domicile

Principal Officer

GAIL RIDDLE

Phone

9104834449

Tax Period

2023-07-01 to 2024-06-30

CUMBERLAND COMMUNITY FOUNDATION INC, founded in 1980, is a mid-sized nonprofit in the Philanthropy & Grantmaking sector that reported $12.5M in total revenue in fiscal year 2023. Revenue decreased 15% compared to the prior year. The organization ran a surplus of $3.7M, a strong 30% operating margin.

Mission

FACILITATE, ENCOURAGE, AND GROW PHILANTHROPY FOR DIVERSE CAUSES TO IMPROVE THE QUALITY OF LIFE FOR ALL IN CUMBERLAND COUNTY, NC.

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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 (2023)

Revenue Breakdown

Contributions & Grants $7,916,678

Program Service Revenue $0

Investment Income $4,272,254

Other Revenue $265,278

TOTAL REVENUE $12,454,210

Expense Breakdown

Grants Paid $7,472,893

Salaries & Benefits $858,009

Fundraising Expenses $278,881

Program Expenses $8,122,556

Other Expenses $415,149

TOTAL EXPENSES $8,746,051

Year-over-Year Comparison

	2023	2022	Change
Revenue	$12,454,210	$14,602,785	-0.1%
Expenses	$8,746,051	$9,474,759	-0.1%
Net Income	$3,708,159	$5,128,026	-0.3%

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

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

$196,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GAIL A RIDDLE	BOARD CHAIR	3.00	Officer Director	$0	$0	$0
FRANK R LOPES JR	VICE-CHAIR	3.00	Officer Director	$0	$0	$0
CAROL L DICKEY	SECRETARY	3.00	Officer Director	$0	$0	$0
WC POWERS	TREASURER	3.00	Officer Director	$0	$0	$0
JANET M PREWITT	ASST. TREASURER	1.00	Director	$0	$0	$0
VERA L BELL	ASST. TREASURER	1.00	Director	$0	$0	$0
LARRY BASS JR	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
JERIAL H BOGAN	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
BRUCE G DANTZLER	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
JOHN HEALY	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
ELIZABETH KEEVER	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
AMY PERKO	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
KELLY D PURYEAR	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
EMILY K SCHAEFER	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
MELISSA SMITH	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
BRENDA SPARKS	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
MYRTLE ALSTON SUMMERS	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
JABBAR SURLES	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
LOCKETT TALLY	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
JOSEPH VONNEGUT	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
MAX J WEINSTEIN	BOARD OF DIRECTORS	1.00	Director	$0	$0	$0
MARY HOLMES	PRESIDENT/CEO	40.00	Officer	$196,000	$0	$196,000
MARY ANNE BROOKS	CHIEF FINANCIAL OFFICER	40.00	Highest	$135,446	$0	$135,446

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	No data	No data	No data	No data
2024	$12,454,210	$8,746,051	$134,526,751	$3,708,159
2023	$14,602,785	$9,474,759	$121,252,486	$5,128,026
2022	$14,799,053	$6,635,965	$108,138,101	$8,163,088
2021	$9,257,200	$7,000,899	$121,925,506	$2,256,301

CUMBERLAND COMMUNITY FOUNDATION INC