CUMBERLAND SOCCER CLUB (EIN 820554438) - 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

2002

Legal Domicile

Principal Officer

TODD CHAMBERLAIN

Phone

2075777299

Tax Period

2025-01-01 to 2025-12-31

CUMBERLAND SOCCER CLUB, founded in 2002, is a small nonprofit in the Recreation & Sports sector that reported $208K in total revenue in fiscal year 2025. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $247K exceeded revenue, resulting in a 18% operating deficit.

Mission

PROVIDE OPPORTUNITIES FOR THE YOUTH OF CUMBERLAND / NORTH YARMOUTH, MAINE TO PARTICIPATE IN THE GAME OF SOCCER WHILE BEING GUIDED BY PRINCIPLES CENTERED ON SPORTSMANSHIP, PLAYER DEVELOPMENT, QUALITY COACHING AND COMMUNITY.THROUGH PARTICIPATION IN A COMPETITIVE LEAGUE ENVIRONMENT, THE CSC CORE PRINCIPLES WILL BE PROMOTED TO ALL PLAYERS, COACHES, REFEREES, VOLUNTEERS AND PARENTS IN SUPPORT OF OUR MISSION.

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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 $500

Program Service Revenue $203,437

Investment Income $1,399

Other Revenue $2,998

TOTAL REVENUE $208,334

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $245,503

Other Expenses $246,812

TOTAL EXPENSES $246,812

Year-over-Year Comparison

	2025	2024	Change
Revenue	$208,334	$170,127	+0.2%
Expenses	$246,812	$163,727	+0.5%
Net Income	$-38,478	$6,400	-7.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MOLLY COSTABLE	CO PRESIDENT	4.00	Officer Director	$0	$0	$0
VANESSA BRYANT	CO PRESIDENT	4.00	Officer Director	$0	$0	$0
TODD CHAMBERLAIN	TREASURER	4.00	Officer Director	$0	$0	$0
KRSITY BISHOP	SECRETARY	4.00	Director	$0	$0	$0
LINDSEY KIMBALL	DIRECTOR	2.00	Director	$0	$0	$0
SETH KIMBALL	DIRECTOR	2.00	Director	$0	$0	$0
JAMES GARRETT	DIRECTOR	2.00	Director	$0	$0	$0
CARLY JOYCE	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	$208,334	$246,812	$155,846	$-38,478

CUMBERLAND SOCCER CLUB