APPALACHIAN COMMUNITY CAPITAL CORPORATION (EIN 462815132) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

2013

Legal Domicile

Principal Officer

DONNA GAMBRELL

Phone

2027793083

Tax Period

2023-01-01 to 2023-12-31

APPALACHIAN COMMUNITY CAPITAL CORPORATION, founded in 2013, is a community nonprofit in the Community Improvement sector that reported $1.1M in total revenue in fiscal year 2018. Revenue surged 34% from the prior year, signaling strong growth momentum. The organization ran a surplus of $263K, a strong 24% operating margin.

Mission

AID COMMUNITY AND ECONOMIC DEVELOPMENT IN APPALACHIA.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $3,621,059

Program Service Revenue $0

Investment Income $690,136

Other Revenue $33,458

TOTAL REVENUE $4,344,653

Expense Breakdown

Grants Paid $0

Salaries & Benefits $424,847

Fundraising Expenses $0

Program Expenses $3,109,286

Other Expenses $3,839,035

TOTAL EXPENSES $4,263,882

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,344,653	$2,051,370	+1.1%
Expenses	$4,263,882	$1,693,064	+1.5%
Net Income	$80,771	$358,306	-0.8%

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

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

$397,371

Total Directors

$237,328

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CLINTON B GWIN	CHAIR	3.00	Officer Director	$0	$0	$0
MARTEN JENKINS	TREASURER	3.00	Officer Director	$0	$0	$0
NEILL S WRIGHT	SECRETARY	3.00	Officer Director	$0	$0	$0
CLYDE CORNETT	DIRECTOR	3.00	Director	$0	$0	$0
GRACE FRICKS	DIRECTOR	3.00	Director	$0	$0	$0
RAYMOND CHRISTMAN	DIRECTOR	3.00	Director	$0	$0	$0
MATT RAKER	DIRECTOR	3.00	Director	$0	$0	$0
LORI CHATMAN	DIRECTOR	3.00	Director	$0	$0	$0
DONNA GAMBRELL	PRESIDENT & CEO	40.00	Officer Director	$237,328	$0	$237,328
JULIA J PARKER	CHIEF LENDING OFFICER	40.00	Officer	$149,043	$11,000	$160,043

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	No data	No data	No data	No data
2023	$4,344,653	$4,263,882	$29,141,159	$80,771
2022	$2,051,370	$1,693,064	$28,945,608	$358,306
2021	$2,186,125	$1,765,994	$27,470,921	$420,131
2020	$5,330,358	$4,860,536	$22,397,860	$469,822
2019	$1,087,588	$915,035	$19,885,435	$172,553
2018	$1,103,336	$840,500	$19,177,821	$262,836

APPALACHIAN COMMUNITY CAPITAL CORPORATION