LAKE CUMBERLAND COMMUNITY ACTION A… - Form 990 Financial Data

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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

1973

Legal Domicile

Principal Officer

NICHOLAS SHEARER

Phone

8009286382

Tax Period

2024-07-01 to 2025-06-30

LAKE CUMBERLAND COMMUNITY ACTION AGENCY INC, founded in 1973, is a mid-sized nonprofit in the Human Services sector that reported $18.0M in total revenue in fiscal year 2024.

Mission

TO PROVIDE ASSISTANCE TO PERSONS IN LOW INCOME ENVIRONMENTS TO HAVE ADEQUATE FOOD, SHELTER, HEALTHCARE, EDUCATION AND A SUSTAINABLE HOME.

Program Service Accomplishments

Program 1

Expenses: $7,749,399

HEADSTART - FOR LOW INCOME FAMILIES UTILIZING A POSITIVE TEAM EFFORT TO ENHANCE THE LIVES OF AT-RISK PRESCHOOL AGE CHRILDREN AND THEIR FAMILIES BY SUPPORTING AND ENRICHING THE CHILD'S DEVELOPMENT...

HEADSTART - FOR LOW INCOME FAMILIES UTILIZING A POSITIVE TEAM EFFORT TO ENHANCE THE LIVES OF AT-RISK PRESCHOOL AGE CHRILDREN AND THEIR FAMILIES BY SUPPORTING AND ENRICHING THE CHILD'S DEVELOPMENT, PHYSICAL, SOCIAL, EMOTIONAL, AND INTELLECTUAL GROWTH.

Program 2

Expenses: $5,555,236

LOW INCOME HEAT ENERGY ASSISTANCE PROGRAM PROVIDES ASSISTANCE WITH HOME ENERGY COSTS TO ELIGIBLE PARTICIPANTS

Program 3

Expenses: $1,038,043

COMMUNITY SERVICE BLOCK GRANT (CSBG) - ASSISTS LOW INCOME AND ELDERLY HOUSEHOLDS BY PROVIDING A RANGE OF SERVICES AND ACTIVITIES THAT HAVE A MEASUREABLE IMPACT ON THE CAUSES OF POVERTY IN THE...

COMMUNITY SERVICE BLOCK GRANT (CSBG) - ASSISTS LOW INCOME AND ELDERLY HOUSEHOLDS BY PROVIDING A RANGE OF SERVICES AND ACTIVITIES THAT HAVE A MEASUREABLE IMPACT ON THE CAUSES OF POVERTY IN THE COMMUNITY.

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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 $17,917,912

Program Service Revenue $0

Investment Income $72,057

Other Revenue $23,248

TOTAL REVENUE $18,013,217

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,843,401

Fundraising Expenses $6,185

Program Expenses $16,926,878

Other Expenses $10,674,880

TOTAL EXPENSES $18,518,281

Year-over-Year Comparison

	2024	2023	Change
Revenue	$18,013,217	$18,702,152	0.0%
Expenses	$18,518,281	$18,701,255	0.0%
Net Income	$-505,064	$897	-564.1%

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

241

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	Role	Reportable Comp	Other Comp	Total
LAURA PHELPS	DIRECTOR	Director	$0	$0	$0
LINDA WHITAKER	DIRECTOR	Director	$0	$0	$0
DORIS JUNE WILLIAMS	DIRECTOR	Director	$0	$0	$0
RANDY DIAL	DIRECTOR	Director	$0	$0	$0
BRENDA WOOLDRIDGE	DIRECTOR	Director	$0	$0	$0
LINDA BLANKENSHIP	DIRECTOR	Officer Director	$0	$0	$0
LARRY RUSSELL BRYANT	DIRECTOR	Director	$0	$0	$0
MARSHALL TODD	DIRECTOR	Director	$0	$0	$0
SHARON COLLINSWORTH	DIRECTOR	Director	$0	$0	$0
SCOTT GEHRING	DIRECTOR	Director	$0	$0	$0
CARRIE MARNHOUT	DIRECTOR	Director	$0	$0	$0
CAROLYN COMPTON	DIRECTOR	Officer Director	$0	$0	$0
SHELVA JONES	DIRECTOR	Officer Director	$0	$0	$0
JIMMIE GREENE	DIRECTOR	Director	$0	$0	$0
VESTA EDWARDS	DIRECTOR	Director	$0	$0	$0
ROBBY MURPHY	DIRECTOR	Director	$0	$0	$0
JANICE MYERS	DIRECTOR	Director	$0	$0	$0
EDWARD PARTON	DIRECTOR	Director	$0	$0	$0
LONNIE MORELAND	DIRECTOR	Director	$0	$0	$0
LUKE KING	DIRECTOR	Director	$0	$0	$0
GLEN MURPHY	DIRECTOR	Director	$0	$0	$0
RANDY MARCUM	DIRECTOR	Director	$0	$0	$0
PEGGY LAWSON	DIRECTOR	Director	$0	$0	$0
WES IRVIN	DIRECTOR	Director	$0	$0	$0
GARY ROBERTSON	DIRECTOR	Officer Director	$0	$0	$0
BARRY SMITH	DIRECTOR	Director	$0	$0	$0
JAIME KEMPTON	DIRECTOR	Director	$0	$0	$0
DONNA ELKINS	DIRECTOR	Director	$0	$0	$0
RICKY CRAIG	VICE-CHAIR	Officer	$0	$0	$0
JOHN FRANK	CHAIR	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
2025	$18,013,217	$18,518,281	$12,270,480	$-505,064
2024	$18,702,152	$18,701,255	$12,526,926	$897
2023	$17,338,070	$16,989,795	$13,230,053	$348,275
2022	$24,470,976	$22,987,162	$12,168,391	$1,483,814
2021	$18,929,012	$18,817,813	$10,926,664	$111,199
2020	$13,918,492	$13,728,877	$10,399,275	$189,615
2020	$13,692,362	$13,728,877	$10,399,275	$-36,515
2020	$13,692,362	$13,728,877	$10,399,275	$-36,515
2019	$12,220,505	$12,158,755	$9,420,693	$61,750

LAKE CUMBERLAND COMMUNITY ACTION AGENCY INC