HABERSHAM COUNTY CHURCHES IN COOPERATIVE MINISTRY (EIN 581490589) - 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

1982

Legal Domicile

Principal Officer

MATT HENDERSON

Phone

7067789099

Tax Period

2024-01-01 to 2024-12-31

HABERSHAM COUNTY CHURCHES IN COOPERATIVE MINISTRY, founded in 1982, is a small nonprofit that reported $248K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $335K exceeded revenue, resulting in a 35% operating deficit.

Mission

TO PROVIDE A MEANS FOR AN EFFECTIVE ECUMENICAL COOPERATIVE, CHRISTIAN MINISTRY OF CONCERN AND SERVICES TO MEET THE EMERGENCY NEEDS OF THE POOR, THE HUNGRY, THE ABUSED, THE OPPRESSED, AND THOSE WHO HAVE NONE TO CARE FOR THEM IN HABERSHAM COUNTY.

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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 $95,690

Program Service Revenue $0

Investment Income $12,787

Other Revenue $139,581

TOTAL REVENUE $248,058

Expense Breakdown

Grants Paid $230,760

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $318,579

Other Expenses $104,633

TOTAL EXPENSES $335,393

Year-over-Year Comparison

	2024	2023	Change
Revenue	$248,058	$227,056	+0.1%
Expenses	$335,393	$278,608	+0.2%
Net Income	$-87,335	$-51,552	+0.7%

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
JOHN BUSSLER	DIRECTOR	2.00	Director	$0	$0	$0
KAREN CARROLL	DIRECTOR	2.00	Director	$0	$0	$0
JACKYE COOPER	SECRETARY	2.00	Officer Director	$0	$0	$0
MARY GOEBEL	DIRECTOR	2.00	Director	$0	$0	$0
PHIL HEALY	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
MATT HENDERSON	PRESIDENT	2.00	Officer Director	$0	$0	$0
WHITENY HUTCHINSON	DIRECTOR	2.00	Director	$0	$0	$0
FAITH INGILS	DIRECTOR	2.00	Director	$0	$0	$0
FREDDIE YORK LINGERFELT	DIRECTOR	2.00	Director	$0	$0	$0
LANE MEIER	DIRECTOR	2.00	Director	$0	$0	$0
HOWARD MILLER	TREASURER	2.00	Officer Director	$0	$0	$0
JEANETTE VETRANO	DIRECTOR	2.00	Director	$0	$0	$0
CANDACE WALLACE	DIRECTOR	2.00	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
2024	$248,058	$335,393	$470,901	$-87,335
2023	$227,056	$278,608	$558,402	$-51,552
2022	$226,733	$244,233	$609,765	$-17,500
2021	$328,167	$209,212	$627,132	$118,955
2020	$151,067	$203,275	$508,012	$-52,208
2019	$261,974	$263,382	$560,568	$-1,408
2018	$294,923	$243,490	$561,993	$51,433

HABERSHAM COUNTY CHURCHES IN COOPERATIVE MINISTRY