MID-CUMBERLAND COMMUNITY ACTION AGENCY (EIN 620859072) - 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

1971

Legal Domicile

Phone

6157421113

Tax Period

2024-07-01 to 2025-06-30

MID-CUMBERLAND COMMUNITY ACTION AGENCY, founded in 1971, is a mid-sized nonprofit in the Human Services sector that reported $36.1M in total revenue in fiscal year 2024. Revenue surged 57% from the prior year, signaling strong growth momentum. Expenses of $32.9M left a modest 9% surplus.

Mission

TO HELP FAMILIES/INDIVIDUALS TOWARD SELF-SUFFICIENCY BY PROVIDING COMPREHENSIVE SERVICES IN COLLABORATION WITH LOCAL, STATE, AND FEDERAL RESOURCES.

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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 $36,124,690

Program Service Revenue $0

Investment Income $11,576

Other Revenue $0

TOTAL REVENUE $36,136,266

Expense Breakdown

Grants Paid $15,242,248

Salaries & Benefits $13,024,235

Fundraising Expenses $0

Program Expenses $31,421,016

Other Expenses $4,656,352

TOTAL EXPENSES $32,922,835

Year-over-Year Comparison

	2024	2023	Change
Revenue	$36,136,266	$23,025,688	+0.6%
Expenses	$32,922,835	$22,308,619	+0.5%
Net Income	$3,213,431	$717,069	+3.5%

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

281

Volunteers

1378

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

$256,497

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JASON STEWART	Executive Dir.	40.00	Officer	$151,036	$0	$151,036
MICHAEL WIGGINS	FINANCE DIR.	40.00	Officer	$105,461	$0	$105,461
RAY RENDER	Chairman	2.00	Officer Director	$0	$0	$0
MARILYN BRYANT	VICE CHAIR	2.00	Officer Director	$0	$0	$0
TONY SHARPE	Treasurer	2.00	Officer Director	$0	$0	$0
ERIN BEGLEY	Director	2.00	Director	$0	$0	$0
JULIE BROCKMAN	Director	2.00	Director	$0	$0	$0
TERRI FOLLIS	Secretary	2.00	Officer Director	$0	$0	$0
DANIELLE FRAZIER	Director	2.00	Director	$0	$0	$0
ADRIENNE GOLDEN	Director	2.00	Director	$0	$0	$0
LYNNE DAVIS	Director	2.00	Director	$0	$0	$0
HOLLY HARMS	Director	2.00	Director	$0	$0	$0
BRADEN STOVER	Director	2.00	Director	$0	$0	$0
RACHEL JONES	Director	2.00	Director	$0	$0	$0
DWIGHT JEWELL	Director	2.00	Director	$0	$0	$0
TERRY JONES	Director	2.00	Director	$0	$0	$0
DARLENE SMITH	Director	2.00	Director	$0	$0	$0
PATTI CARROLL	Director	2.00	Director	$0	$0	$0
REBECCA WOODS	Director	2.00	Director	$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	$36,136,266	$32,922,835	$12,984,941	$3,213,431
2024	$23,025,688	$22,308,619	$6,378,352	$717,069
2023	$18,860,193	$18,634,528	$5,578,845	$225,665
2022	$16,120,135	$15,961,983	$5,482,077	$158,152
2021	$13,762,306	$13,299,688	$4,172,198	$462,618
2020	$8,503,815	$8,695,234	$1,621,040	$-191,419
2019	$16,426,519	$16,475,348	$2,554,753	$-48,829
2018	$15,350,790	$15,517,600	$2,119,948	$-166,810

MID-CUMBERLAND COMMUNITY ACTION AGENCY