CHARITY CIRCLE OF MURFREESBORO (EIN 237158367) - 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

1910

Legal Domicile

Principal Officer

KATHY DINARDO

Phone

6154163691

Tax Period

2024-01-01 to 2024-12-31

CHARITY CIRCLE OF MURFREESBORO, founded in 1910, is a small nonprofit that reported $742K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $682K left a modest 8% surplus.

Mission

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

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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 (2024)

Revenue Breakdown

Contributions & Grants $754,576

Program Service Revenue $0

Investment Income $1,190

Other Revenue $-13,953

TOTAL REVENUE $741,813

Expense Breakdown

Grants Paid $643,238

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $669,788

Other Expenses $38,592

TOTAL EXPENSES $681,830

Year-over-Year Comparison

	2024	2023	Change
Revenue	$741,813	$666,333	+0.1%
Expenses	$681,830	$665,480	+0.0%
Net Income	$59,983	$853	+69.3%

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
KATHY DINARDO	PRESIDENT	10.00	Officer Director	$0	$0	$0
CINDY FERGUSON	FIRST VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
BETH USSERY	SECOND VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
SUSAN GREAR	THIRD VICE PRESIDENT	5.00	Officer Director	$0	$0	$0
KATIE JORDAN	RECORDING SECRETARY	3.00	Officer Director	$0	$0	$0
LANE BOOTEN	CORRESPONDING SECRETARY	3.00	Officer Director	$0	$0	$0
LEANNA WRIGHT	TREASURER	5.00	Officer Director	$0	$0	$0
BETTY HORD	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
MARY MOSS	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
SUSAN MOSS	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
DELIA GOODMAN	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
BETH LOUGHRY	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
EMILY HUTCHINSON	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
LESLIE AKINS	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
VICKI EASTHAM	COMMITTEE CHAIR	1.00	Director	$0	$0	$0
PATTI HUTCHINSON	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
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

CHARITY CIRCLE OF MURFREESBORO