ALLIES FOR COMMUNITY BUSINESS INC (EIN 363966573) - 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

1994

Legal Domicile

Principal Officer

BRAD MCCONNELL

Phone

3129242180

Tax Period

2024-01-01 to 2024-12-31

ACCION CHICAGO INC, founded in 1994, is a community nonprofit in the Community Improvement sector that reported $5.9M in total revenue in fiscal year 2018. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $2.1M, a strong 36% operating margin.

Mission

PROVIDE CREDIT AND SERVICES TO SMALL BUSINESSES WITHOUT ACCESS TO TRADITIONAL SOURCES OF FINANCING.

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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 $7,662,733

Program Service Revenue $2,160,237

Investment Income $137,559

Other Revenue $-19,542

TOTAL REVENUE $9,940,987

Expense Breakdown

Grants Paid $901,683

Salaries & Benefits $4,161,416

Fundraising Expenses $383,628

Program Expenses $8,599,222

Other Expenses $4,739,001

TOTAL EXPENSES $9,802,100

Year-over-Year Comparison

	2024	2023	Change
Revenue	$9,940,987	$9,139,197	+0.1%
Expenses	$9,802,100	$8,848,618	+0.1%
Net Income	$138,887	$290,579	-0.5%

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

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

$213,437

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DARLENE HIGHTOWER	CHAIR, OUTREACH	2.25	Officer Director	$0	$0	$0
HORACIO MENDEZ	TREASURER, FINANCE AND AUDIT CHAIR	2.25	Officer Director	$0	$0	$0
S MICHAEL MCCRACKEN	CHAIR, PORTFOLIO AND CREDIT COMMITTEE CHAIR	2.25	Officer Director	$0	$0	$0
ADRIANNE SPIVEY	DIRECTOR	2.25	Director	$0	$0	$0
ANTHONY WALLER	DIRECTOR	2.25	Director	$0	$0	$0
BEN BOCHNOWSKI	DIRECTOR	2.25	Director	$0	$0	$0
CLEMENTE NICADO	DIRECTOR	2.25	Director	$0	$0	$0
JUAN ORTIZ	DIRECTOR	2.25	Director	$0	$0	$0
MARIAH VAN ERMEN	DIRECTOR	2.25	Director	$0	$0	$0
OSCAR JOHNSON	DIRECTOR	2.25	Director	$0	$0	$0
SHANDRA RICHARDSON	DIRECTOR	2.25	Director	$0	$0	$0
TAZ GEORGE	DIRECTOR	2.25	Director	$0	$0	$0
BRAD MCCONNELL	CHIEF EXECUTIVE OFFICER	40.00	Officer	$207,284	$6,153	$213,437
ROWAN RICHARDS	DIRECTOR OF COACHING AND C	40.00	Highest	$172,834	$5,192	$178,026
MARY TRITSIS	DIRECTOR OF COMMUNITY BUSI	40.00	Highest	$166,399	$17,421	$183,820
JILL KOZELUH	DIRECTOR OF DEVELOPMENT	40.00	Highest	$139,244	$9,170	$148,414
JENNIE MOTTO MESTERHARM	CHIEF OF STAFF	40.00	Highest	$135,276	$21,663	$156,939
MARY RILEY	DIRECTOR OF COMMUNITY RELA	40.00	Highest	$135,034	$10,349	$145,383

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	$9,940,987	$9,802,100	$36,374,214	$138,887
2023	$9,139,197	$8,848,618	$35,556,703	$290,579
2022	$8,974,469	$7,836,906	$47,279,806	$1,137,563
2021	$12,452,578	$6,695,795	$54,726,016	$5,756,783
2019	$5,884,549	$4,366,347	$12,958,409	$1,518,202
2018	$5,857,650	$3,731,620	$10,819,649	$2,126,030

ALLIES FOR COMMUNITY BUSINESS INC