ENDLESS MOUNTAINS CDC INC (EIN 651226909) - 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

2004

Legal Domicile

Principal Officer

DENNIS PHELPS

Phone

5702783338

Tax Period

2022-07-01 to 2023-06-30

ENDLESS MOUNTAINS CDC INC, founded in 2004, is a micro nonprofit in the Housing & Shelter sector that reported $72K in total revenue in fiscal year 2022. Expenses of $101K exceeded revenue, resulting in a 40% operating deficit.

Mission

COMMUNITY DEVELOPMENT ACTIVITIES IN WAYNE, SUSQUEHANNA, WYOMING, SULLIVAN, BRADFORD & TIOGA COUNTIES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $50,550

Investment Income $21,547

Other Revenue $0

TOTAL REVENUE $72,097

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $100,695

Other Expenses $100,695

TOTAL EXPENSES $100,695

Year-over-Year Comparison

	2022	2021	Change
Revenue	$72,097	$71,217	+0.0%
Expenses	$100,695	$99,610	+0.0%
Net Income	$-28,598	$-28,393	+0.0%

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

N/A

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

$254,087

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FREDERICK JACKSON	PRESIDENT	2.00	Officer Director	$0	$0	$0
JUDY MEAD	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
JOHN SULLIVAN	SECRETARY / TREASURER	2.00	Officer Director	$0	$0	$0
ALEXANDRA ALLEN	DIRECTOR	2.00	Director	$0	$0	$0
LISA DOUGLAS	DIRECTOR	2.00	Director	$0	$0	$0
DARLENE FENTON	DIRECTOR	2.00	Director	$0	$0	$0
PATRICIA HOLZSCHUH	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL KARHNAK	DIRECTOR	2.00	Director	$0	$0	$0
BARBARA LANDON	DIRECTOR	2.00	Director	$0	$0	$0
REGINA MOYER	DIRECTOR	2.00	Director	$0	$0	$0
REP TINA PICKETT	DIRECTOR	2.00	Director	$0	$0	$0
SANDRA ROOF	DIRECTOR	2.00	Director	$0	$0	$0
LINDA STATNICK	DIRECTOR	2.00	Director	$0	$0	$0
MARY ANN WARREN	DIRECTOR	2.00	Director	$0	$0	$0
VICTORIA YERDON	DIRECTOR	2.00	Director	$0	$0	$0
DENNIS PHELPS	EXECUTIVE DIRECTOR	4.00	Officer	$0	$0	$146,026
CHRISTINE LATHROP	COMPTROLLER	2.00	Officer	$0	$0	$108,061

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	No data	No data	No data	No data
2023	$72,097	$100,695	$1,972,556	$-28,598
2022	$71,217	$99,610	$1,991,573	$-28,393
2021	$71,616	$89,279	$2,023,232	$-17,663
2020	$56,050	$91,358	$2,037,300	$-35,308
2019	$51,618	$97,178	$2,081,642	$-45,560

ENDLESS MOUNTAINS CDC INC