COTTON WAREHOUSE ASSOCIATION OF AMERICA (EIN 520892698) - 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

1969

Legal Domicile

Principal Officer

JILL WHITLEY

Phone

8065777193

Tax Period

2024-04-01 to 2025-03-31

COTTON WAREHOUSE ASSOCIATION OF AMERICA, founded in 1969, is a small nonprofit that reported $273K in total revenue in fiscal year 2024. Expenses of $321K exceeded revenue, resulting in a 17% operating deficit.

Mission

TO UNIFY THE COTTON WAREHOUSE INDUSTRY THROUGH ORGANIZATION AND COOPERATION. TO BUILD A STRONGER, MORE EFFICIENT INDUSTRY COMMITTED TO PROMPT AND RELIABLE SERVICE. TO ESTABLISH AN IMPROVED LIAISON BETWEEN WAREHOUSEMEN AND ALL SEGMENTS OF THE RAW COTTON TRADE, AS WELL AS STATE AND FEDERAL AGENCIES.

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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 $0

Program Service Revenue $267,778

Investment Income $4,101

Other Revenue $1,241

TOTAL REVENUE $273,120

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $288,459

Other Expenses $320,738

TOTAL EXPENSES $320,738

Year-over-Year Comparison

	2024	2023	Change
Revenue	$273,120	$284,059	0.0%
Expenses	$320,738	$333,753	0.0%
Net Income	$-47,618	$-49,694	0.0%

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
SETH ALVE	DIRECTOR	1.00	Director	$0	$0	$0
CLAIBORNE BLACK	DIRECTOR	1.00	Director	$0	$0	$0
PHIL CORDEL	DIRECTOR	1.00	Director	$0	$0	$0
DWAYNE COWARD	DIRECTOR	1.00	Director	$0	$0	$0
RAY DOROFF	CHAIRMAN	1.00	Officer Director	$0	$0	$0
BRAGG SMITH III	TREASURER	1.00	Officer Director	$0	$0	$0
W COALTER PAXTON III	DIRECTOR	1.00	Director	$0	$0	$0
COALTER PAXTON IV	DIRECTOR	1.00	Director	$0	$0	$0
PETE LEMONS	SECRETARY	1.00	Officer Director	$0	$0	$0
KEITH LORD	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT MITCHELL	PRESIDENT	1.00	Officer Director	$0	$0	$0
CHRIS MOORE	DIRECTOR	1.00	Director	$0	$0	$0
BARRY ROSE	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
VANCE SHOAF	DIRECTOR	1.00	Director	$0	$0	$0
TODD SILVERNAIL	DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN STALLINGS	DIRECTOR	1.00	Director	$0	$0	$0
TOM STALLINGS	DIRECTOR	1.00	Director	$0	$0	$0
JOE TILLMAN	DIRECTOR	1.00	Director	$0	$0	$0
BRETT UNDERWOOD	DIRECTOR	1.00	Director	$0	$0	$0
FRED UNDERWOOD	DIRECTOR	1.00	Director	$0	$0	$0
JILL WHITLEY	EXECUTIVE DI	4.00	Officer	$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
2025	$273,120	$320,738	$221,117	$-47,618
2024	$284,059	$333,753	$269,076	$-49,694
2023	$327,412	$314,823	$321,417	$12,589
2022	$298,180	$279,853	$310,311	$18,327
2021	$279,507	$233,038	$286,231	$46,469
2020	$316,691	$326,583	$239,688	$-9,892
2019	$358,031	$312,144	$251,771	$45,887
2018	$322,801	$290,977	$205,884	$31,824

COTTON WAREHOUSE ASSOCIATION OF AMERICA