BRADLEY COUNTY FARM BUREAU (EIN 620521485) - 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

1921

Legal Domicile

Principal Officer

MR CHARLES MCSPADDEN

Phone

4234799755

Tax Period

2025-01-01 to 2025-12-31

BRADLEY COUNTY FARM BUREAU, founded in 1921, is a small nonprofit that reported $428K in total revenue in fiscal year 2025. Expenses of $413K left a modest 3% surplus.

Mission

ORGANIZED TO DEVELOP, FOSTER, PROMOTE, & PROTECT PROGRAMS FOR THE GENERAL WELFARE INCLUDING ECONOMIC, SOCIAL, & POLITICAL WELL BEING OF FARM PEOPLE.

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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 $382,649

Program Service Revenue $0

Investment Income $4,569

Other Revenue $40,388

TOTAL REVENUE $427,606

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $409,770

TOTAL EXPENSES $413,455

Year-over-Year Comparison

	2025	2024	Change
Revenue	$427,606	$408,908	+0.0%
Expenses	$413,455	$402,262	+0.0%
Net Income	$14,151	$6,646	+1.1%

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

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
CHARLES MCSPADDEN	PRESIDENT	2.00	Officer	$0	$0	$0
CHARLES HANNAH	VICE PRESIDENT	1.50	Officer	$0	$0	$0
CAROLYN EARNEST	SECRETARY/TREASURER	2.00	Officer	$0	$0	$0
REX CALFEE	DIRECTOR	1.00	Director	$0	$0	$0
BEN CARROLL	DIRECTOR	1.00	Director	$0	$0	$0
WHITNEY COX	DIRECTOR	1.00	Director	$0	$0	$0
KIM FRADY	DIRECTOR	1.00	Director	$0	$0	$0
BILLIE HAMILTON	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HEIFNER	DIRECTOR	1.00	Director	$0	$0	$0
KAREN HEIFNER	DIRECTOR	1.00	Director	$0	$0	$0
MILTON HUMBERD	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER LOWE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MILBURN MOORE	DIRECTOR	1.00	Director	$0	$0	$0
DIANNE SANDERS	DIRECTOR	1.00	Director	$0	$0	$0
JACK SANDERS	DIRECTOR	1.00	Director	$0	$0	$0
CHARLES WATTENBARGER	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	$427,606	$413,455	$921,859	$14,151
2025	$427,606	$413,455	$921,859	$14,151
2024	$408,908	$402,262	$907,768	$6,646
2023	$406,252	$384,153	$901,122	$22,099
2022	$398,383	$381,967	$879,023	$16,416
2021	$398,226	$369,798	$862,607	$28,428
2020	$397,761	$363,345	$834,179	$34,416

BRADLEY COUNTY FARM BUREAU