MURRAY CALLOWAY NEED LINE ASSOCIATION INC (EIN 610951383) - 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

1973

Legal Domicile

Principal Officer

Tyler Ellegood

Phone

2707536333

Tax Period

2025-01-01 to 2025-12-31

MURRAY CALLOWAY NEED LINE ASSOCIATION INC, founded in 1973, is a small nonprofit in the Human Services sector that reported $707K in total revenue in fiscal year 2025. Revenue surged 80% from the prior year, signaling strong growth momentum. The organization ran a surplus of $371K, a strong 53% operating margin.

Mission

Assistance (food, utilities, transportation) for needy families within the Murray and Calloway County communities.

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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 $668,985

Program Service Revenue $0

Investment Income $17,797

Other Revenue $20,222

TOTAL REVENUE $707,004

Expense Breakdown

Grants Paid $36,168

Salaries & Benefits $173,577

Fundraising Expenses $0

Program Expenses $244,276

Other Expenses $125,974

TOTAL EXPENSES $335,719

Year-over-Year Comparison

	2025	2024	Change
Revenue	$707,004	$393,622	+0.8%
Expenses	$335,719	$299,278	+0.1%
Net Income	$371,285	$94,344	+2.9%

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

100

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

$57,499

Total Directors

$3,900

Key Employees

$53,599

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mona Bolin	Director	0.00	Director	$0	$0	$0
Tonia Casey	Executive Director	40.00	Officer Key Emp	$53,599	$0	$53,599
Kelly Doran	Director	0.00	Director	$0	$0	$0
Robin Floyd	Director	0.00	Director	$0	$0	$0
Gary Haverstock	Director	0.00	Director	$0	$0	$0
Pat Latimer	Director	0.00	Director	$0	$0	$0
Greg Gierhart	Director	0.00	Director	$0	$0	$0
Kathy Kopperud	Director	0.00	Director	$0	$0	$0
Allie McClain	Director	0.00	Director	$0	$0	$0
Stephanie Balmer	Director	0.00	Director	$0	$0	$0
Courtney Smith	Director	0.00	Director	$0	$0	$0
Kathie Pierce	Director	0.00	Director	$0	$0	$0
Donna Tervo	Director	0.00	Director	$0	$0	$0
Tyler Ellegood	Treasurer	4.00	Officer Director	$3,900	$0	$3,900
Carruth Kitrell	Secretary	0.00	Officer Director	$0	$0	$0
Jenna Keith	Director	0.00	Director	$0	$0	$0
Mike Young	Director	0.00	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	$707,004	$335,719	$1,886,815	$371,285
2024	No data	No data	No data	No data
2023	$309,870	$259,031	$1,439,100	$50,839
2022	$345,507	$220,538	$1,388,353	$124,969
2021	$297,730	$253,915	$1,259,815	$43,815
2020	$384,689	$210,201	$1,216,000	$174,488
2019	$226,346	$185,298	$1,041,512	$41,048
2018	$189,689	$175,527	$1,000,464	$14,162

MURRAY CALLOWAY NEED LINE ASSOCIATION INC