SILOAM HEALTH

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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

KATIE RICHARDS

Phone

6152985406

Tax Period

2024-07-01 to 2025-06-30

SILOAM HEALTH, founded in 1989, is a community nonprofit that reported $7.1M in total revenue in fiscal year 2024. Expenses of $7.9M exceeded revenue, resulting in a 11% operating deficit.

Mission

SILOAM SHARES THE LOVE OF CHRIST BY PROVIDING AFFORDABLE, WHOLE-PERSON CARE TO THE UNINSURED & UNDERSERVED THAT ADDRESSES THE PHYSICAL, EMOTIONAL, SPIRITUAL, & SOCIAL DETERMINANTS OF HEALTH.

Program Service Accomplishments

Program 1

Expenses: $4,765,186 Revenue: $2,579,263

MEDICAL CARE: COMPREHENSIVE, WHOLE-PERSON MEDICAL CARE IS THE CORNERSTONE OF SILOAM HEALTH. OUR PRIMARY CARE CLINIC IN MELROSE AND WALK-IN CLINIC IN ANTIOCH PROVIDE CARE FOR THE UNINSURED THROUGHOUT MIDDLE TENNESSEE. OUR MEDICAL STAFF WORKS ALONGSIDE 400+ VOLUNTEERS ANNUALLY TO PROMOTE THE PHYSICAL, SPIRITUAL, AND EMOTIONAL HEALTH OF PATIENTS FROM OVER 80 COUNTRIES, SPEAKING NEARLY 50 LANGUAGES. IN FISCAL YEAR 2025, SILOAM SERVED 6,429 PATIENTS AND CONDUCTED 19,047 PATIENT ENCOUNTERS. SILOAM ALSO SEES NEWLY ARRIVED REFUGEES FOR COMPREHENSIVE MEDICAL SCREENINGS REQUIRED FOR ENTRY INTO THE UNITED STATES. IN FISCAL YEAR 2025, SILOAM WELCOMED 1,026 REFUGEES THROUGH THIS PROGRAM.

Program 2

Expenses: $1,254,795 Revenue: $1,209,909

COMMUNITY HEALTH: SILOAM ADDRESSES THE SOCIAL DETERMINANTS OF HEALTH THAT UNDERLIE MEDICAL CHALLENGES THROUGH ITS COMMUNITY HEALTH PROGRAMS. OUR COMMUNITY HEALTH WORKER PROGRAM EQUIPS AND DEPLOYS...

COMMUNITY HEALTH: SILOAM ADDRESSES THE SOCIAL DETERMINANTS OF HEALTH THAT UNDERLIE MEDICAL CHALLENGES THROUGH ITS COMMUNITY HEALTH PROGRAMS. OUR COMMUNITY HEALTH WORKER PROGRAM EQUIPS AND DEPLOYS TRUSTED INDIVIDUALS FROM LOCAL ARABIC AND SPANISH-SPEAKING COMMUNITIES TO ADDRESS PATIENTS' DAILY LIFE STRUGGLES AND NEEDS SUCH AS SOCIAL ISOLATION, MEDICAL MISTRUST, CHRONIC DISEASE MANAGEMENT, AND HEALTHCARE NAVIGATION. SILOAM ALSO PROVIDES HEALTH EDUCATION TO NEWLY ARRIVED REFUGEE FAMILIES THROUGH OUR NASHVILLE NEIGHBORS PROGRAM, WHICH PAIRS VOLUNTEER GROUPS WITH NEWLY ARRIVED REFUGEE FAMILIES TO COMPLETE A 6-MONTH HEALTH EDUCATION CURRICULUM, ENSURE A HEALTHY TRANSITION, AND TO BUILD FRIENDSHIPS ACROSS CULTURES.

Program 3

Expenses: $110,237 Revenue: $1,000

STUDENT EDUCATION: SILOAM HEALTH IS ALSO COMMITTED TO RAISING A NEW GENERATION OF HEALTH PROFESSIONALS FOR THE UNDERSERVED AND MULTIPLYING A MORE WHOLE-PERSON APPROACH WITHIN THE PROFESSION ITSELF...

STUDENT EDUCATION: SILOAM HEALTH IS ALSO COMMITTED TO RAISING A NEW GENERATION OF HEALTH PROFESSIONALS FOR THE UNDERSERVED AND MULTIPLYING A MORE WHOLE-PERSON APPROACH WITHIN THE PROFESSION ITSELF. SILOAM PRECEPTORSHIPS AND UNIVERSITY PARTNERSHIPS PROVIDE DOZENS OF SENIOR-LEVEL HEALTH PROFESSIONS STUDENTS ANNUALLY WITH PRACTICUM-BASED TRAINING IN POVERTY MEDICINE, CROSS-CULTURAL HEALTH CARE, AND BEHAVIORAL HEALTH. STUDENTS AT SILOAM ALSO RECEIVE PRACTICAL TRAINING IN HOW TO WORK WITH AN INTERPRETER, TAKE A PATIENT'S SPIRITUAL HISTORY, AND WORK WITH AN INTERDISCIPLINARY TEAM.

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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 $3,126,463

Program Service Revenue $3,790,172

Investment Income $238,594

Other Revenue $-49,476

TOTAL REVENUE $7,105,753

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,601,247

Fundraising Expenses $850,675

Program Expenses $6,130,218

Other Expenses $2,256,433

TOTAL EXPENSES $7,857,680

Year-over-Year Comparison

	2024	2023	Change
Revenue	$7,105,753	$6,910,296	+0.0%
Expenses	$7,857,680	$7,586,139	+0.0%
Net Income	$-751,927	$-675,843	+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

Volunteers

296

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

$646,038

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATIE RICHARDS	CEO/PRESIDEN	40.00	Officer	$185,161	$27,830	$212,991
JIM HENDERSON	STAFF PHYSIC	40.00	Highest	$196,033	$15,238	$211,271
BRENT SNADER	DIR. MISSION	40.00	Highest	$166,467	$33,280	$199,747
KRISTIN MARTEL	MELROSE CLIN	36.00	Highest	$143,111	$31,101	$174,212
JULE WEST	CMO	40.00	Officer	$118,780	$9,763	$128,543
AMY RICHARDSON	CCHO	40.00	Officer	$107,646	$20,122	$127,768
DANIELLE HELSON	COO	40.00	Officer	$98,442	$19,098	$117,540
MICHAEL DRAPER	CDO	40.00	Officer	$59,196	$0	$59,196
SHON DWYER	CHAIR	5.00	Officer Director	$0	$0	$0
MORGAN MCDONALD	VICE CHAIR	2.00	Officer Director	$0	$0	$0
KOLIN HOLLADAY	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHAEL BERRY	TREASURER	1.00	Officer Director	$0	$0	$0
ANA ESCOBAR	DIRECTOR	1.00	Director	$0	$0	$0
BOBBY WATTS	DIRECTOR	1.00	Director	$0	$0	$0
BUZ MARTIN	DIRECTOR EX	1.00	Director	$0	$0	$0
CHRIS WILDE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID JARRARD	DIRECTOR	1.00	Director	$0	$0	$0
DOUG HEIMBURGER	DIRECTOR	1.00	Director	$0	$0	$0
ERIK HESS	DIRECTOR	1.00	Director	$0	$0	$0
JESSIE GARCIA KNOWLES	DIRECTOR	1.00	Director	$0	$0	$0
KAREN LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
KYLE PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
MALLORY YODER	DIRECTOR EX	1.00	Director	$0	$0	$0
MARK MARSDEN	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA EZELL	DIRECTOR	1.00	Director	$0	$0	$0
RAHWA MEHARI	DIRECTOR	1.00	Director	$0	$0	$0
UCHE SAMPSON	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	$7,105,753	$7,857,680	$9,510,528	$-751,927
2024	$6,910,296	$7,586,139	$10,290,223	$-675,843
2023	$6,506,633	$7,466,951	$10,723,314	$-960,318
2022	$6,919,608	$6,588,820	$11,463,809	$330,788
2021	$5,445,505	$4,758,843	$11,253,822	$686,662
2020	$7,949,400	$4,437,227	$10,596,724	$3,512,173