CUMBERLAND VALLEY RAILS TO TRAILS

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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

Legal Domicile

Phone

7174887833

Tax Period

2025-01-01 to 2025-12-31

CUMBERLAND VALLEY RAILS TO TRAILS, founded in 2023, is a micro nonprofit in the Environment sector that reported $23K in total revenue in fiscal year 2025. Revenue surged 80% from the prior year, signaling strong growth momentum. The organization ran a surplus of $23K, a strong 98% operating margin.

Mission

THE ORGANIZATION MAINTAINS AN ENDOWMENT FUND FOR TRAIL MAINTENANCE AND REPAIRS IN FUTURE YEARS

Program Service Accomplishments

Program 1

MAINTAINING AN ENDOWMENT FUND FOR FUTURE NEEDS OF THE TRAIL, INCLUDING MAINTENANCE AND REPAIRS.

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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 $21,350

Program Service Revenue $0

Investment Income $1,776

Other Revenue $0

TOTAL REVENUE $23,126

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $539

TOTAL EXPENSES $539

Year-over-Year Comparison

	2025	2024	Change
Revenue	$23,126	$12,856	+0.8%
Expenses	$539	$165	+2.3%
Net Income	$22,587	$12,691	+0.8%

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
GARRET STAHLMAN	PRESIDENT	3.00	Officer Director	$0	$0	$0
ERIC DEARDORFF	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
JEAN SPEARS	SECRETARY	3.00	Officer Director	$0	$0	$0
ROBERT SCHMIDLEIN	TREASURER	3.00	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	$23,126	$539	$63,498	$22,587
2024	$12,856	$165	$37,352	$12,691
2023	$22,501	No data	$22,501	No data