CUMBERLAND VALLEY BUSINESS ALLIANCE (EIN 861514880) - 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

2021

Legal Domicile

Principal Officer

CHRIS GRIMM

Phone

7172647101

Tax Period

2024-01-01 to 2024-12-31

CUMBERLAND VALLEY BUSINESS ALLIANCE, founded in 2021, is a small nonprofit that reported $503K in total revenue in fiscal year 2024.

Mission

TO HELP ITS MEMBERS PROSPER AND ENHANCE THE QUALITY OF LIFE IN THE CUMBERLAND VALLEY REGION.

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $497,567

Investment Income $5,430

Other Revenue $275

TOTAL REVENUE $503,272

Expense Breakdown

Grants Paid $163,481

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $339,859

TOTAL EXPENSES $503,340

Year-over-Year Comparison

	2024	2023	Change
Revenue	$503,272	$505,731	0.0%
Expenses	$503,340	$505,356	0.0%
Net Income	$-68	$375	-1.2%

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
CHRIS GRIMM JOINED 1124	CHAIRMAN	0.50	Officer Director	$0	$0	$0
ADAM DONIUS	VICE CHAIRMAN	0.25	Officer Director	$0	$0	$0
DEBBY CUNNINGHAM	PRESIDENT	2.00	Officer Director	$0	$0	$0
BRAD KEARNS	SECRETARY/TREASURER	0.25	Officer Director	$0	$0	$0
WILLIAM KICK	BOARD MEMBER	6.00	Director	$0	$0	$0
MARYLIZ TOOHIG	BOARD MEMBER	2.00	Director	$0	$0	$0
JENNA KACZMAREK	BOARD MEMBER	0.25	Director	$0	$0	$0
ANDY EVERETTS JOINED 1124	BOARD MEMBER	0.25	Director	$0	$0	$0
STEPHEN CHRISTIAN JOINED 1124	BOARD MEMBER	0.25	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	$503,272	$503,340	$284,305	$-68
2023	$505,731	$505,356	$264,398	$375
2022	$488,070	$487,319	$245,658	$751

CUMBERLAND VALLEY BUSINESS ALLIANCE