WOMEN'S FUND OF GREATER CHATTANOOGA (EIN 465020109) - 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

2014

Legal Domicile

Principal Officer

STEFANIE CROWE

Phone

9043588721

Tax Period

2024-01-01 to 2024-12-31

WOMEN'S FUND OF GREATER CHATTANOOGA, founded in 2014, is a small nonprofit in the Philanthropy & Grantmaking sector that reported $216K in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year. Expenses of $268K exceeded revenue, resulting in a 24% operating deficit.

Mission

TO IMPROVE THE LIVES OF WOMEN AND GIRLS IN TENNESSEE.

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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 $159,739

Program Service Revenue $0

Investment Income $14,588

Other Revenue $41,773

TOTAL REVENUE $216,100

Expense Breakdown

Grants Paid $17,752

Salaries & Benefits $196,422

Fundraising Expenses $29,155

Program Expenses $166,669

Other Expenses $53,533

TOTAL EXPENSES $267,707

Year-over-Year Comparison

	2024	2023	Change
Revenue	$216,100	$241,775	-0.1%
Expenses	$267,707	$275,691	0.0%
Net Income	$-51,607	$-33,916	+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

$87,604

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEFANIE CROWE	BOARD CHAIR	2.00	Officer Director	$0	$0	$0
RACHAEL SAUCEMAN	IMMEDIATE PAST CHAIR	1.00	Officer Director	$0	$0	$0
STACY MARTIN	SECRETARY	0.50	Officer Director	$0	$0	$0
LIZ WILSON	TREASURER	1.00	Officer Director	$0	$0	$0
ALEX FOOTE	DIRECTOR	0.50	Director	$0	$0	$0
SOPHIE MOORE	DIRECTOR	0.50	Director	$0	$0	$0
CARLA MORGAN	DIRECTOR	0.50	Director	$0	$0	$0
ELAINE PATTERSON	DIRECTOR	2.00	Director	$0	$0	$0
KATY SPURLOCK	DIRECTOR	0.50	Director	$0	$0	$0
MARY WAGNON	DIRECTOR	0.50	Director	$0	$0	$0
NICOLE WATSON	DIRECTOR	0.50	Director	$0	$0	$0
DAKASHA WINTON	DIRECTOR	0.50	Director	$0	$0	$0
MELODY SHEKARI	EXECUTIVE DIRECTOR	40.00	Officer	$79,688	$7,916	$87,604

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
2025	No data	No data	No data	No data
2024	$216,100	$267,707	$618,817	$-51,607
2023	$241,775	$275,691	$639,983	$-33,916
2022	$504,644	$328,486	$651,236	$176,158
2021	$285,527	$273,015	$511,251	$12,512
2020	$206,028	$229,225	$515,964	$-23,197
2019	$194,133	$250,580	$511,207	$-56,447
2018	$224,634	$193,898	$568,549	$30,736

WOMEN'S FUND OF GREATER CHATTANOOGA