CONTEMPORARY MOSAIC ART2 CMA2 (EIN 920370372) - 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

2023

Principal Officer

KATHLEEN PEPIN

Phone

7347057677

Tax Period

2025-01-01 to 2025-12-31

CONTEMPORARY MOSAIC ART2 CMA2, founded in 2023, is a small nonprofit in the Arts, Culture & Humanities sector that reported $159K in total revenue in fiscal year 2025. Revenue surged 325% from the prior year, signaling strong growth momentum. The organization ran a surplus of $135K, a strong 85% operating margin.

Mission

WE ARE AN INTERNATIONAL COMMUNITY OF MOSAIC ARTISTS, ALL SKILL LEVELS FROM BEGINNERS TO PROFESSIONALS. WE ARE A VERY DIVERSE GROUP IN TECHNIQUES, USE OF MATERIALS, AND STYLES. TO CREATE AN EXCITING SOCIAL MEDIA SITE FOR ALL MOSAIC ARTISTS THAT IS EXCLUSIVE TO THEIR PREFERRED MEDIUM. TO ENCOURAGE STRUCTURED AND SPONTANEOUS INTERACTION BETWEEN MEMBERS OF CMA2 THAT WILL PROMOTE GOODWILL AND GROWTH FOR ALL MEMBERS. TO OFFER EDUCATIONAL EXPERIENCES TO MEMBERS. TO CREATE AN ENVIRONMENT FOR MEMBERS WHERE THEY ARE COMFORTABLE EXPANDING THEIR SKILLS, TECHNIQUES, AND PRESENTATION OF THEIR ART.

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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 $0

Program Service Revenue $157,198

Investment Income $2,262

Other Revenue $0

TOTAL REVENUE $159,460

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $24,391

Other Expenses $24,716

TOTAL EXPENSES $24,716

Year-over-Year Comparison

	2025	2024	Change
Revenue	$159,460	$37,541	+3.2%
Expenses	$24,716	$80,567	-0.7%
Net Income	$134,744	$-43,026	-4.1%

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
PATRICICA CHAPMAN	TRUSTEE	N/A	Director	$0	$0	$0
FRAN GARRIDO	TRUSTEE	N/A	Director	$0	$0	$0
LISA SCARBATH	TRUSTEE	N/A	Director	$0	$0	$0
KAREN EARNHARDT	VICE PRESIDE	N/A	Officer	$0	$0	$0
DAWN MENDELSON	PRESIDENT	N/A	Officer	$0	$0	$0
KATHLEEN PEPIN	TREASURER	N/A	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	$159,460	$24,716	$177,284	$134,744
2024	$37,541	$80,567	$42,540	$-43,026
2023	$99,323	$13,757	$85,566	$85,566

CONTEMPORARY MOSAIC ART2 CMA2