THE CHATTANOOGA TOURISM FOUNDATION

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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

1989

Legal Domicile

Principal Officer

SUSAN HARRIS

Phone

4237568689

Tax Period

2025-01-01 to 2025-12-31

THE CHATTANOOGA TOURISM FOUNDATION, founded in 1989, is a community nonprofit that reported $1.5M in total revenue in fiscal year 2025. Expenses of $2.2M exceeded revenue, resulting in a 42% operating deficit.

Mission

TO SUPPORT AND PROMOTE TOURISM-RELATED ACTIVITIES, EVENTS AND PROJECTS TO ENHANCE THE IMAGE AND CULTURE AND DEVELOP THE ECONOMIC AND SOCIAL PROSPERITY OF THE HAMILTON COUNTY, TENNESSEE AREA AND OTHERWISE PURSUE SUCH CHARITABLE ACTIVITES WITHIN THE MEANING OF SECTION 501(C)(3) OF THE INTERNAL REVENUE CODE, AND THEREBY LESSEN THE BURDEN OF GOVERNMENT.

Program Service Accomplishments

Program 1

Expenses: $1,958,905 Revenue: $1,520,043

TO SUPPORT AND PROMOTE TOURISM-RELATED ACTIVITIES, EVENTS AND PROJECTS TO ENHANCE THE IMAGE AND CULTURE AND DEVELOP THE ECONOMIC AND SOCIAL PROSPERITY OF THE HAMILTON COUNTY, TENNESSEE AREA.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,520,043

Investment Income $15,604

Other Revenue $0

TOTAL REVENUE $1,535,647

Expense Breakdown

Grants Paid $100,000

Salaries & Benefits $615,770

Fundraising Expenses $0

Program Expenses $1,958,905

Other Expenses $1,457,760

TOTAL EXPENSES $2,173,530

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,535,647	$1,428,473	+0.1%
Expenses	$2,173,530	$2,139,599	+0.0%
Net Income	$-637,883	$-711,126	-0.1%

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

506

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
BARRY WHITE	CHIEF ADMINISTRATIVE EXECU	1.00	Officer	$0	$0	$0
SUSAN HARRIS	COO & INTERIM CEO	1.00	Officer	$0	$0	$0
DIONNE JENKINS	DIRECTOR	1.00	Director	$0	$0	$0
LISA MARAGNANO	DIRECTOR	1.00	Director	$0	$0	$0
KEITH SANFORD	DIRECTOR	1.00	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
2025	$1,535,647	$2,173,530	$770,723	$-637,883
2024	No data	No data	No data	No data
2023	$11	$453,613	$473,928	$-453,602
2022	$898,256	$441,400	$936,629	$456,856
2021	$542,505	$194,912	$459,373	$347,593
2020	$170,825	$151,365	$162,362	$19,460
2019	$1,074,420	$978,668	$178,445	$95,752
2018	$2,285,051	$2,249,105	$312,301	$35,946