Cobblestone Foundation Incorporated

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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

2020

Legal Domicile

Principal Officer

LORENE F BENSON

Phone

5853980220

Tax Period

2023-01-01 to 2023-12-31

Cobblestone Foundation Incorporated, founded in 2020, is a small nonprofit in the Human Services sector that reported $205K in total revenue in fiscal year 2023. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $78K, a strong 38% operating margin.

Mission

To bring about positive change for persons with disabilities, veterans teens and risk, and other underserved populations by raising funds to significantly impact much needed products.

Program Service Accomplishments

Program 1

Expenses: $65,188

Contributions to Cobblestone Arts Center's program for adults with disabilities

Program 2

Expenses: $45,056

Expenses related to fundraising

Program 3

Expenses: $5,172

Donations to community organizations

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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 $151,561

Program Service Revenue $0

Investment Income $2,217

Other Revenue $50,724

TOTAL REVENUE $204,502

Expense Breakdown

Grants Paid $123,204

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $115,416

Other Expenses $3,727

TOTAL EXPENSES $126,931

Year-over-Year Comparison

	2023	2022	Change
Revenue	$204,502	$150,519	+0.4%
Expenses	$126,931	$203,168	-0.4%
Net Income	$77,571	$-52,649	-2.5%

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

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
LORENE F BENSON	President	2.000	Director	$0	$0	$0
VANESSA J GOODWIN	Vice President	2.000	Director	$0	$0	$0
EMILY J WOJCIK	Secretary	1.000	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
2024	No data	No data	No data	No data
2023	$204,502	$126,931	$429,358	$77,571
2022	$150,519	$203,168	$292,131	$-52,649
2021	$183,162	$72,724	$362,654	$110,438
2020	$213,085	$1,820	$211,266	$211,265