ST MARYS CATHEDRAL TRUST

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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

1946

Legal Domicile

Principal Officer

CUMBERLAND TRUST INVESTMENT CO

Phone

6157831435

Tax Period

2023-01-01 to 2023-12-31

ST MARYS CATHEDRAL TRUST, founded in 1946, is a micro nonprofit that reported $20K in total revenue in fiscal year 2023. Revenue fell 59% from the prior year — a significant decline worth monitoring. Expenses of $65K exceeded revenue, resulting in a 230% operating deficit.

Mission

FOR EXCLUSIVE USE IN THE PROSECUTION OF THE RELIGIOUS AND CHARITABLE WORK OF THE PROTESTANT EPISCOPAL DIOCESE OF TENNESSEE.

Program Service Accomplishments

Program 1

Expenses: $57,010

ST. MARY'S EPISCOPAL CATHEDRAL, FOR EXCLUSIVE USE IN THE PROSECUTION OF THE RELIGIOUS AND CHARITABLE WORK OF THE PROTESTANT EXPISCOPAL DIOCESE OF TENNESSEE.

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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 $0

Program Service Revenue $0

Investment Income $19,544

Other Revenue $0

TOTAL REVENUE $19,544

Expense Breakdown

Grants Paid $50,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $57,010

Other Expenses $14,520

TOTAL EXPENSES $64,520

Year-over-Year Comparison

	2023	2022	Change
Revenue	$19,544	$47,362	-0.6%
Expenses	$64,520	$71,680	-0.1%
Net Income	$-44,976	$-24,318	+0.8%

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

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

N/A

Independent Members

N/A

Employees

N/A

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
CUMBERLAND TRUST INVESTMENT CO	TRUSTEE	5.00		$6,379	$0	$6,379

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
2024	No data	No data	No data	No data
2023	$19,544	$64,520	$830,175	$-44,976
2022	$47,362	$71,680	$875,151	$-24,318
2021	$144,267	$68,693	$899,469	$75,574
2020	$58,445	$68,626	$823,895	$-10,181
2019	$38,449	$68,842	$834,076	$-30,393
2018	$43,432	$69,836	$864,469	$-26,404