GEORGIA LENDERS QUALITY CIRCLE INC (EIN 200555689) - 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

2006

Legal Domicile

Principal Officer

KERRI MORRIN

Phone

4702255505

Tax Period

2021-01-01 to 2021-12-31

GEORGIA LENDERS QUALITY CIRCLE INC, founded in 2006, is a micro nonprofit in the Community Improvement sector that reported $7K in total revenue in fiscal year 2021. Revenue fell 57% from the prior year — a significant decline worth monitoring. Expenses of $13K exceeded revenue, resulting in a 83% operating deficit.

Mission

TO FACILITATE THE EDUCATION, FELLOWSHIP, RECOGNITION AND EXCHANGE OF INFORMATION AMONG THE SMALL BUSINESS COMMUNITY.

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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 (2021)

Revenue Breakdown

Contributions & Grants $7,125

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $7,125

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $13,032

TOTAL EXPENSES $13,032

Year-over-Year Comparison

	2021	2020	Change
Revenue	$7,125	$16,716	-0.6%
Expenses	$13,032	$13,307	0.0%
Net Income	$-5,907	$3,409	-2.7%

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
THOMAS ROCKWOOD	CHAIR	5.00	Officer	$0	$0	$0
KIM EELLS	VICE CHAIR	5.00	Officer	$0	$0	$0
SHAWNTE JOHNSON	SECRETARY	5.00	Officer	$0	$0	$0
KERRI MORRIN	TREASURER	5.00	Officer	$0	$0	$0
TYE MASSEY	PRECEDING CH	5.00	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
2021	$7,125	$13,032	$51,506	$-5,907
2020	$16,716	$13,307	$57,413	$3,409
2019	$283,678	$300,975	$54,004	$-17,297
2018	$144,244	$277,969	$71,301	$-133,725

GEORGIA LENDERS QUALITY CIRCLE INC