CALVARY COMMUNITY INC (EIN 581625626) - 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

1988

Legal Domicile

Principal Officer

RICKY SMITH

Phone

2059331020

Tax Period

2024-11-01 to 2025-10-31

CALVARY COMMUNITY INC, founded in 1988, is a community nonprofit in the Housing & Shelter sector that reported $1.2M in total revenue in fiscal year 2024.

Mission

TO PROVIDE LOW INCOME HOUSING

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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 $1,176,569

Investment Income $420

Other Revenue $0

TOTAL REVENUE $1,176,989

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,055,215

Other Expenses $1,145,981

TOTAL EXPENSES $1,145,981

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,176,989	$1,136,785	+0.0%
Expenses	$1,145,981	$1,131,897	+0.0%
Net Income	$31,008	$4,888	+5.3%

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

N/A

Volunteers

N/A

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	Role	Reportable Comp	Other Comp	Total
TIM JOHNSON	MEMBER	Director	$0	$0	$0
RICKY SMITH	MEMBER	Director	$0	$0	$0
STEVE DAVIS	MEMBER	Director	$0	$0	$0
RUSTY GILMER	MEMBER	Director	$0	$0	$0
STEVE SMITH SR	MEMBER	Director	$0	$0	$0
DEBBIE HOLLADAY	MEMBER	Director	$0	$0	$0
TODD SCHUSTER	MEMBER	Director	$0	$0	$0
FRED MARSHALL	MEMBER	Director	$0	$0	$0
JOY OBEBE	MEMBER	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	$1,176,989	$1,145,981	$2,505,921	$31,008
2023	$1,094,656	$1,045,115	$2,674,866	$49,541
2022	$1,065,050	$1,077,707	$2,719,259	$-12,657
2021	$1,041,664	$1,028,916	$2,829,012	$12,748
2020	$1,034,991	$941,908	$2,949,225	$93,083

CALVARY COMMUNITY INC