URBAN LEAGUE OF GREATER CHATTANOOGA

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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

1980

Legal Domicile

Phone

4237561762

Tax Period

2024-07-01 to 2025-06-30

URBAN LEAGUE OF GREATER CHATTANOOGA, founded in 1980, is a community nonprofit in the Community Improvement sector that reported $4.3M in total revenue in fiscal year 2024. Revenue surged 33% from the prior year, signaling strong growth momentum.

Mission

TO ENABLE AFRICAN-AMERICANS AND OTHER DISADVANTAGED PERSONS TO SECURE ECONOMIC SELF RELIANCE, PARITY, POWER AND CIVIL RIGHTS.

Program Service Accomplishments

Program 1

Expenses: $2,970,781 Revenue: $3,068,558

THE FAMILY PROSPERITY INITIATIVE ENCOMPASSES ALL WORKFORCE-RELATED INITIATIVES WITHIN THE CENTER FOR EDUCATION AND FAMILY EMPOWERMENT CENTER. ITS ULTIMATE GOAL IS TO SERVE FAMILIES THROUGH A HOLISTIC APPROACH, FOSTERING SOCIAL AND ECOMOMIC PROSPERITY BY EQUIPPING THEM WITH THE KNOWLEDGE,SKILLS, CONNECTIONS, FINANCIAL STABILITY AND WRAPAROUND SUPPORTS NEEDED FOR LONG-TERM ECONOMIC AND EMPLOYABILITY SUCCESS. KEY PROGRAMS INCLUDE: LEVEL UP EDUCATIONAL ACADEMY, ANNUAL HIRING FAIRS, SENIOR COMMUNITY SERVICE EMPLOYMENT PROGRAM(SCSEP), WORKFORCE TRAINING AND DEVELOPMENT WORKSHOPS AND JOB COACHING.

Program 2

Expenses: $281,672 Revenue: $230,450

THE ENTREPRENEURIAL DEVELOPMENT PROVIDES A CULTURALLY RESPONSIVE ECOSYSTEM OF SUPPORT FOR DISADVANTAGED BUSINESS ENTERPRISES TO ACCELERATE GROWTH, EXPAND NETWORKS AND ACCESS KNOWLEDGE FOR BUSINESS...

THE ENTREPRENEURIAL DEVELOPMENT PROVIDES A CULTURALLY RESPONSIVE ECOSYSTEM OF SUPPORT FOR DISADVANTAGED BUSINESS ENTERPRISES TO ACCELERATE GROWTH, EXPAND NETWORKS AND ACCESS KNOWLEDGE FOR BUSINESS SUCCESS. SOME INITIATIVES INCLUDE: ENTREPRENEUR POWER LUNCHEON,(EPL) NEXT LEVEL BUSINESS ACCELERATOR, MONEY TALKS CAPITAL ACCESS SUMMIT,ONLINE MINORITY BUSINESS DIRECTORY, AND VARIOUS WORKSHOPS AND BUSINESS COACHING.

Program 3

Expenses: $276,947 Revenue: $197,161

THE REGIONAL COORDINATOR AND COALITION LEAD THE VOLUNTEER INCOME TAX ASSISTANCE (VITA) PROGRAM, AN IRS BACKED INITIATIVE PROVIDING FREE BASIC TAX RETURN PREPARATION FOR ELIGIBLE INDIVIDUALS.

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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 $4,174,609

Program Service Revenue $61,900

Investment Income $1,866

Other Revenue $76,485

TOTAL REVENUE $4,314,860

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,423,675

Fundraising Expenses $81,127

Program Expenses $3,699,432

Other Expenses $3,277,492

TOTAL EXPENSES $4,701,167

Year-over-Year Comparison

	2024	2023	Change
Revenue	$4,314,860	$3,256,485	+0.3%
Expenses	$4,701,167	$3,458,696	+0.4%
Net Income	$-386,307	$-202,211	+0.9%

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

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

$191,482

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CANDY JOHNSON	President & CEO	50.00	Officer	$191,482	$0	$191,482
JOHN BODE	MEMBER AT LARGE	1.00	Director	$0	$0	$0
WILLIAM LADD III	MEMBER AT LARGE	1.00	Director	$0	$0	$0
WHITNEY SNARDON	MEMBER	1.00	Director	$0	$0	$0
DR JARED BIGHAM	MEMBER	1.00	Director	$0	$0	$0
KATHY WELLS	MEMBER	1.00	Director	$0	$0	$0
DOROTHY GRISHAM	EMERITUS	1.00	Officer Director	$0	$0	$0
EVAN FREEMAN	MEMBER	1.00	Director	$0	$0	$0
MICHAEL HANRETTA	Secretary	1.00	Director	$0	$0	$0
JUDGE CURTIS COLLIER	EMERITUS	1.00	Director	$0	$0	$0
DALYA J QUALLS WHITE	MEMBER AT LARGE	1.00	Director	$0	$0	$0
MARCUS CADE-JOHNSON	Chairman	1.00	Officer	$0	$0	$0
JENNIFER FULLER	Vice Board/Trea	1.00	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	$4,314,860	$4,701,167	$4,074,289	$-386,307
2024	$3,256,485	$3,458,696	$4,817,642	$-202,211
2023	$6,117,747	$3,120,828	$4,660,955	$2,996,919
2022	$2,583,348	$2,512,902	$4,598,694	$70,446
2021	$2,701,634	$2,565,800	$736,188	$135,834
2020	$2,359,890	$2,280,958	$516,312	$78,932
2019	$1,665,947	$1,630,001	$378,012	$35,946
2018	$1,183,394	$1,453,978	$134,940	$-270,584