MAIN STREET FARMERS MARKET

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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

2012

Legal Domicile

Principal Officer

VICTORIA CAPDEVIELLE

Phone

8122192505

Tax Period

2019-01-01 to 2019-12-31

MAIN STREET FARMERS MARKET, founded in 2012, is a micro nonprofit in the Food, Agriculture & Nutrition sector that reported $34K in total revenue in fiscal year 2019. The organization ran a surplus of $8K, a strong 23% operating margin.

Mission

TO INSPIRE HEALTHY ENVIRONMENTALLY RESPONSIBLE LIFESTYLES BY FOSTERING RELATIONSHIPS WITHIN THE LOCAL FOOD COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $22,690 Revenue: $33,845

PROVIDED ORGANIC FARMERS MARKET AND EDUCATIONAL PROGRAMS FOR THE CITIZENS OF CHATTANOOGA.

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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 (2019)

Revenue Breakdown

Contributions & Grants $33,845

Program Service Revenue $0

Investment Income $6

Other Revenue $0

TOTAL REVENUE $33,851

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $2,219

Program Expenses $22,690

Other Expenses $25,898

TOTAL EXPENSES $25,898

Year-over-Year Comparison

	2019	2018	Change
Revenue	$33,851	$34,828	0.0%
Expenses	$25,898	$22,018	+0.2%
Net Income	$7,953	$12,810	-0.4%

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
HEATHER CROSS	PRESIDENT	1.00	Officer Director	$0	$0	$0
VICTORIA CAPDEVIELLE	TREASURER	1.00	Officer Director	$0	$0	$0
PAUL PETERSON	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
LAWRENCE ALEXANDER	SECRETARY	1.00	Director	$0	$0	$0
JESSIE GANTT TEMPLE	BOARD MEMBER	1.00	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
2019	$33,851	$25,898	$29,753	$7,953
2018	$34,828	$22,018	$20,363	$12,810