BRADFORD BURIAL ASSOCIATION

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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

Principal Officer

Richard H Mosley

Phone

8708362264

Tax Period

2025-01-01 to 2025-12-31

BRADFORD BURIAL ASSOCIATION, founded in 1971, is a micro nonprofit that reported $32K in total revenue in fiscal year 2025. Revenue decreased 11% compared to the prior year. Net assets of $472K represent 176 months of operating reserves.

Mission

PROVIDING FUNERAL SERVICES AND MERCHANDISE TO MEMBERS. BRADFORD BURIAL ASSOCIATION IS NOT A PUBLIC CHARITY AND DOES NOT RECEIVE PUBLIC SUPPORT. BRADFORD BURIAL ASSOCIATION ALSO NOT A PRIVATE FOUNDATION.

Program Service Accomplishments

Program 1

Expenses: $32,410

Bradford Burial Association honored certificates applied towards funeral expenses of its deceased members.

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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 (2025)

Revenue Breakdown

Contributions & Grants $13,010

Program Service Revenue $0

Investment Income $19,118

Other Revenue $0

TOTAL REVENUE $32,128

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $32,410

Other Expenses $2,267

TOTAL EXPENSES $34,677

Year-over-Year Comparison

	2025	2024	Change
Revenue	$32,128	$35,952	-0.1%
Expenses	$34,677	$30,867	+0.1%
Net Income	$-2,549	$5,085	-1.5%

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

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
Kyle Mosley	President	2	Officer	$0	$0	$0
Cindy Billingsley	Vice President	2	Officer	$0	$0	$0
Richard H Mosley	Secretary Treasurer	10	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	$32,128	$34,677	$474,745	$-2,549
2024	$35,952	$30,867	$476,094	$5,085
2023	$24,524	$2,989	$478,059	$21,535
2022	$15,469	$27,360	$480,224	$-11,891
2021	$16,395	$15,379	$481,725	$1,016
2020	$18,609	$17,024	$484,349	$1,585