FINANCIAL PATHWAYS OF THE PIEDMONT (EIN 561015074) - 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

1972

Legal Domicile

Principal Officer

PHYLLIS CALDWELL-GEORGE

Phone

3368961191

Tax Period

2024-07-01 to 2025-06-30

FINANCIAL PATHWAYS OF THE PIEDMONT, founded in 1972, is a community nonprofit in the Human Services sector that reported $1.5M in total revenue in fiscal year 2024. Revenue surged 22% from the prior year, signaling strong growth momentum. Expenses of $1.4M left a modest 5% surplus.

Mission

TO DELIVER PROFESSIONAL CONSUMER EDUCATION, DEBT REDUCTION PROGRAMS, COMPREHENSIVE HOUSING COUNSELING AND INFORMATION ON THE WISE USE OF CREDIT TO ALL SEGMENTS OF THE COMMUNITY, TO IMPROVE THEIR FINANCIAL WELL-BEING.

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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 $1,113,194

Program Service Revenue $314,504

Investment Income $75,383

Other Revenue $-1,491

TOTAL REVENUE $1,501,590

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,066,650

Fundraising Expenses $201,331

Program Expenses $1,068,818

Other Expenses $363,900

TOTAL EXPENSES $1,430,550

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,501,590	$1,226,496	+0.2%
Expenses	$1,430,550	$1,453,819	0.0%
Net Income	$71,040	$-227,323	-1.3%

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

$119,194

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHYLLIS CALDWELL-GEORGE	PRESIDENT &	40.00	Officer	$108,164	$11,030	$119,194
RONDA MAYS	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOTT LEFELAR	BOARD MEMBER	1.00	Director	$0	$0	$0
CYNTHIA KELLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMARKUS SWINSON	BOARD MEMBER	1.00	Director	$0	$0	$0
DR SHERRI LAWSON-CLARK	BOARD MEMBER	1.00	Director	$0	$0	$0
CRISSY DIXON	BOARD MEMBER	1.00	Director	$0	$0	$0
JIM COWLES	BOARD MEMBER	1.00	Director	$0	$0	$0
BRENT CARLTON	BOARD MEMBER	1.00	Director	$0	$0	$0
CAROL DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
LAURA DEZARN	BOARD MEMBER	1.00	Director	$0	$0	$0
GRAY BARBOUR	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDELL A CAIN JR	BOARD MEMBER	1.00	Director	$0	$0	$0
KEVIN S OSBORNE	BOARD MEMBER	1.00	Director	$0	$0	$0
PAMELA SPALDING	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDY HARDING	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
TREVA OLIPHANT	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JOE CARROLL	TREASURER	1.00	Officer Director	$0	$0	$0
LYNN SPILLMAN	SECRETARY	1.00	Officer Director	$0	$0	$0
MIKE FISHER	IMMEDIATE PA	1.00	Officer Director	$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	$1,501,590	$1,430,550	$1,910,386	$71,040
2024	$1,226,496	$1,453,819	$1,970,769	$-227,323
2023	$2,004,427	$1,592,405	$2,570,350	$412,022
2022	$1,849,365	$1,668,928	$1,642,751	$180,437
2021	$1,675,875	$1,587,329	$1,760,255	$88,546

FINANCIAL PATHWAYS OF THE PIEDMONT