CBM of the Upper Cumberland Region of TN Inc (EIN 872725510) - 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

Brent Woodard

Phone

8652095438

Tax Period

2025-01-01 to 2025-12-31

CBM of the Upper Cumberland Region of TN Inc, founded in 2021, is a small nonprofit in the Religion sector that reported $323K in total revenue in fiscal year 2025. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $92K, a strong 28% operating margin.

Mission

Our mission is reaching children and families teaching them to love God His Word and His created world. Camp Ozone provides summer camps retreats and teaching to instruct children and families in Biblical principles.

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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 $254,535

Program Service Revenue $63,665

Investment Income $4,651

Other Revenue $0

TOTAL REVENUE $322,851

Expense Breakdown

Grants Paid $0

Salaries & Benefits $143,545

Fundraising Expenses $0

Program Expenses $26,262

Other Expenses $87,517

TOTAL EXPENSES $231,062

Year-over-Year Comparison

	2025	2024	Change
Revenue	$322,851	$271,670	+0.2%
Expenses	$231,062	$244,983	-0.1%
Net Income	$91,789	$26,687	+2.4%

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

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

$23,675

Key Employees

$47,085

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENT WOODARD	CEO	50.00	Director Key Emp	$23,675	$0	$23,675
ELIZABETH WOODARD	BOOKKEEPPER	20.00	Key Emp	$23,410	$0	$23,410
JOHN VAN DYKE	Treasurer	5.00	Officer Director	$0	$0	$0
COLLEEN REESE	SECRETARY	5.00	Officer Director	$0	$0	$0
MARILYN LYLE	BOARD MEMBER	5.00	Director	$0	$0	$0
Jeff Oien	Chairman of the Board	15.00	Officer 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	$322,851	$231,062	$654,069	$91,789
2024	No data	No data	No data	No data
2023	$235,607	$239,789	$535,593	$-4,182
2022	$321,456	$296,384	$539,775	$25,072

CBM of the Upper Cumberland Region of TN Inc