CHARITY CIRCLE OF MURFREESBORO

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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

1910

Legal Domicile

Principal Officer

JANET LEE

Phone

6156682320

Tax Period

2025-01-01 to 2025-12-31

CHARITY CIRCLE OF MURFREESBORO, founded in 1910, is a small nonprofit that reported $685K in total revenue in fiscal year 2025. Revenue decreased 8% compared to the prior year.

Mission

CHARITY CIRCLE OF MURFREESBORO OPERATES TO RAISE FUNDS TO HELP SUPPORT LOCAL CHARITIES THAT PROVIDE ASSISTANCE TO INDIVIDUALS AND FAMILIES IN NEED.

Program Service Accomplishments

Program 1

Expenses: $739,609

DONATIONS TO LOCAL ORGANIZATIONS AND FAMILIES IN NEED. THE CHARITY CIRCLE MADE GRANTS TO 43 OTHER LOCAL CHARITIES DURING THE YEAR TO FURTHER ITS EXEMPT PURPOSE OF HELPING THE DISADVANTAGED AND POOR...

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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 $734,223

Program Service Revenue $0

Investment Income $1,365

Other Revenue $-50,164

TOTAL REVENUE $685,424

Expense Breakdown

Grants Paid $715,050

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $739,609

Other Expenses $36,843

TOTAL EXPENSES $751,893

Year-over-Year Comparison

	2025	2024	Change
Revenue	$685,424	$741,813	-0.1%
Expenses	$751,893	$681,830	+0.1%
Net Income	$-66,469	$59,983	-2.1%

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
CINDY FERGUSON	PRESIDENT	10.00	Officer Director	$0	$0	$0
LISSA YOUNG	FIRST VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
STACEY MCCULLOUGH	SECOND VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
VICKI EASTHAM	THIRD VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
COLLIER SMITH	RECORDING SECRETARY	3.00	Officer Director	$0	$0	$0
ALLISON KELLERMANN	CORRESPONDING SECRETARY	3.00	Officer Director	$0	$0	$0
JANET LEE	TREASURER	5.00	Officer Director	$0	$0	$0
AMY FARRAR	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
BETH COPE	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
ROBIN HUTCHINSON	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
ALISON LIGHTCAP	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
ALICIA HOLLIS	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
JENNIFER GERHART	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
ANNE DAVIS	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
LISA TERRY	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
KATHY DINARDO	PAST PRESIDENT	1.00	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	$685,424	$751,893	$646,000	$-66,469
2024	$741,813	$681,830	$709,149	$59,983
2023	$666,333	$665,480	$653,221	$853
2022	$540,708	$542,671	$667,313	$-1,963
2021	$584,923	$473,973	$642,276	$110,950
2020	$524,847	$475,857	$531,326	$48,990
2019	$493,207	$457,115	$482,336	$36,092
2018	$411,394	$427,731	$446,244	$-16,337