JUNIOR ACHIEVEMENT OF SOUTH CENTRAL KENTUCKY INC (EIN 610997385) - 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

LAUREN GRIFFING

Phone

2707820280

Tax Period

2024-07-01 to 2025-06-30

JUNIOR ACHIEVEMENT OF SOUTH CENTRAL KENTUCKY INC, founded in 1982, is a small nonprofit in the International Affairs sector that reported $258K in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring.

Mission

CLASSROOM INSTRUCTION TO TEACH JUNIOR ACHIEVEMENT PROGRAMS IN AREA SCHOOLS.

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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 $222,976

Program Service Revenue $0

Investment Income $7,253

Other Revenue $28,190

TOTAL REVENUE $258,419

Expense Breakdown

Grants Paid $0

Salaries & Benefits $159,739

Fundraising Expenses $91,840

Program Expenses $134,390

Other Expenses $121,561

TOTAL EXPENSES $281,300

Year-over-Year Comparison

	2024	2023	Change
Revenue	$258,419	$333,425	-0.2%
Expenses	$281,300	$247,218	+0.1%
Net Income	$-22,881	$86,207	-1.3%

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

Volunteers

201

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
AUSTIN ALBANY	DIRECTOR	1.00	Director	$0	$0	$0
GREG BOWEN	DIRECTOR	1.00	Director	$0	$0	$0
GINGER CLEARY	DIRECTOR	1.00	Director	$0	$0	$0
MONICA DUVALL	DIRECTOR	1.00	Director	$0	$0	$0
AMBER FRYE	DIRECTOR	1.00	Director	$0	$0	$0
ASHLEY GERUGHTY	DIRECTOR	1.00	Director	$0	$0	$0
LYDIA GILLIAM	DIRECTOR	1.00	Director	$0	$0	$0
LAURA HALEY	DIRECTOR	1.00	Director	$0	$0	$0
BRITNEY HARRIS	DIRECTOR	1.00	Director	$0	$0	$0
TOBY HAWKINS	DIRECTOR	1.00	Director	$0	$0	$0
BEN HOWARD	DIRECTOR	1.00	Director	$0	$0	$0
WHITNEY KINSLOW	CHAIR	5.00	Officer Director	$0	$0	$0
SABINA SMAILHODIZ LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
CORIE MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
LESLIE MCCOY	DIRECTOR	1.00	Director	$0	$0	$0
TRACY MOSLEY	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER O'CONNOR	TREASURER	5.00	Officer Director	$0	$0	$0
MIKE SEILER	DIRECTOR	1.00	Director	$0	$0	$0
JESSICA SHOULDERS	DIRECTOR	1.00	Director	$0	$0	$0
BETHANY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER BREIWA SMITH	DIRECTOR	1.00	Director	$0	$0	$0
SAYRAH SWEATT	DIRECTOR	1.00	Director	$0	$0	$0
BRITTANY THOMPSON	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTY TWYMAN	DIRECTOR	1.00	Director	$0	$0	$0
MONICA WARDLOW	DIRECTOR	1.00	Director	$0	$0	$0
HOLLY WHITTINGHILL	DIRECTOR	1.00	Director	$0	$0	$0
SARAH WILLIAMS	SECRETARY	5.00	Officer Director	$0	$0	$0
AMANDA WUEST	DIRECTOR	1.00	Director	$0	$0	$0
LAUREN GRIFFING	PRESIDENT	40.00	Officer	$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	$258,419	$281,300	$547,286	$-22,881
2024	$333,425	$247,218	$565,642	$86,207
2023	$321,145	$262,102	$435,154	$59,043
2022	$249,819	$272,623	$342,335	$-22,804
2021	$259,620	$241,139	$381,966	$18,481
2020	$197,250	$273,588	$359,474	$-76,338

JUNIOR ACHIEVEMENT OF SOUTH CENTRAL KENTUCKY INC