APPALACHIAN COMMUNITY CAPITAL DEVELOPMENT FOUNDATION (EIN 462827486) - 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

2013

Legal Domicile

Principal Officer

DONNA GAMBRELL

Phone

2025475155

Tax Period

2024-01-01 to 2024-12-31

APPALACHIAN COMMUNITY CAPITAL DEVELOPMENT FOUNDATION, founded in 2013, is a community nonprofit in the Philanthropy & Grantmaking sector that reported $6.1M in total revenue in fiscal year 2024. Revenue surged 93601% from the prior year, signaling strong growth momentum.

Mission

TO INCREASE SMALL BUSINESS LENDING BY PROVIDING APPALACHIAN MEMBER INSTITUTIONS THAT SERVE UNDERSERVED PEOPLE AND COMMUNITIES WITH NEW SOURCES OF CAPITAL.

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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 $5,945,740

Program Service Revenue $0

Investment Income $0

Other Revenue $144,800

TOTAL REVENUE $6,090,540

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $6,050,367

Other Expenses $6,055,725

TOTAL EXPENSES $6,055,725

Year-over-Year Comparison

	2024	2023	Change
Revenue	$6,090,540	$6,500	+936.0%
Expenses	$6,055,725	$10,008	+604.1%
Net Income	$34,815	$-3,508	-10.9%

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

$382,965

Total Directors

$382,965

Key Employees

$177,937

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DONNA GAMBRELL	PRESIDENT & CEO	1.00	Officer Director	$0	$0	$382,965
CLINTON B GWIN	CHAIR	1.50	Officer Director	$0	$0	$0
MARTEN JENKINS	TREASURER	1.50	Officer Director	$0	$0	$0
NEIL S WRIGHT	SECRETARY	1.50	Officer Director	$0	$0	$0
RAYMOND CHRISTMAN	DIRECTOR	1.50	Director	$0	$0	$0
CLYDE CORNETT	DIRECTOR	1.50	Director	$0	$0	$0
GRACE FRICKS	DIRECTOR	1.50	Director	$0	$0	$0
MATT RAKER	DIRECTOR	1.50	Director	$0	$0	$0
JULIA PARKER	CHIEF LENDING OFFICER	1.00	Key Emp	$0	$10,737	$177,937

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	$6,090,540	$6,055,725	$18,336,441	$34,815
2023	$6,500	$10,008	$273,759	$-3,508
2022	$957,200	$1,260,561	$609,346	$-303,361
2021	$915,000	$759,280	$1,851,862	$155,720

APPALACHIAN COMMUNITY CAPITAL DEVELOPMENT FOUNDATION