BOYS AND GIRLS CLUBS OF CHATTANOOGA INC (EIN 620557179) - 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

1955

Legal Domicile

Principal Officer

JAMES J MORGAN

Phone

4232666131

Tax Period

2024-01-01 to 2024-12-31

BOYS AND GIRLS CLUBS OF CHATTANOOGA INC, founded in 1955, is a community nonprofit that reported $3.5M in total revenue in fiscal year 2024. Revenue surged 39% from the prior year, signaling strong growth momentum.

Mission

TO ENABLE ALL YOUNG PEOPLE, ESPECIALLY THOSE WHO NEED US MOST, TO REALIZE THEIR FULL POTENTIAL AS PRODUCTIVE, RESPONSIBLE, AND CARING CITIZENS.

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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 $3,484,994

Program Service Revenue $10,190

Investment Income $97,762

Other Revenue $-73,752

TOTAL REVENUE $3,519,194

Expense Breakdown

Grants Paid $0

Salaries & Benefits $2,179,498

Fundraising Expenses $75,303

Program Expenses $2,799,430

Other Expenses $1,317,694

TOTAL EXPENSES $3,497,192

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,519,194	$2,522,884	+0.4%
Expenses	$3,497,192	$3,239,380	+0.1%
Net Income	$22,002	$-716,496	-1.0%

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

185

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

$494,771

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WILLIAM P AIKEN	TRUSTEE	0.23	Director	$0	$0	$0
STEVE DUNLEVY	DIRECTOR	0.46	Director	$0	$0	$0
CAROL BARAJAS	VICE PRESIDENT, FUNDRAISING	1.19	Officer Director	$0	$0	$0
TYRUS WARD	DIRECTOR	0.08	Director	$0	$0	$0
JOHN R BODE	DIRECTOR	0.38	Director	$0	$0	$0
MATTHEW R BRANDON	TREASURER & VICE PRESIDENT, FINANCE	0.65	Officer Director	$0	$0	$0
CHARLES BROCK	TRUSTEE	0.15	Director	$0	$0	$0
MARK BROCK	TRUSTEE	0.15	Director	$0	$0	$0
DENNIS CULVER	DIRECTOR	0.58	Director	$0	$0	$0
ROGER W DICKSON	TRUSTEE	0.08	Director	$0	$0	$0
FRED ELDORADO	SECRETARY	0.81	Officer Director	$0	$0	$0
KYLE EISELSTEIN	DIRECTOR	0.65	Director	$0	$0	$0
EVANN FREEMAN	DIRECTOR	0.27	Director	$0	$0	$0
EDWARD PETERSON HOSTETLER	DIRECTOR	0.38	Director	$0	$0	$0
GAIL JENKINS	TRUSTEE	0.38	Director	$0	$0	$0
JOE JOHNSON	TRUSTEE	0.08	Director	$0	$0	$0
LATONYA LYONS	FORMER CHAIR	1.27	Officer Director	$0	$0	$0
CAROL MASTEY	DIRECTOR	0.15	Director	$0	$0	$0
JAY MORGAN	DIRECTOR	0.69	Director	$0	$0	$0
MICHAEL MURPHY	DIRECTOR	0.31	Director	$0	$0	$0
GREG OSWALD	VICE PRESIDENT, OPERATIONS	1.35	Officer Director	$0	$0	$0
DAVID RODDY	DIRECTOR	0.46	Director	$0	$0	$0
EILIER TERUEL	DIRECTOR	0.42	Director	$0	$0	$0
BARRY VANDELINDER JR	CHAIR	2.08	Officer Director	$0	$0	$0
CECIL VAUGHAN III	DIRECTOR	0.12	Director	$0	$0	$0
DAVE TOCCHINI	DIRECTOR	0.00	Director	$0	$0	$0
KIRBY W YOST	DIRECTOR	0.50	Director	$0	$0	$0
JAMES J MORGAN	CHIEF EXECUTIVE OFFICER	40.00	Officer	$250,651	$22,092	$272,743
JOSHUA MURPHY	CHIEF FINANCIAL OFFICER	40.00	Officer	$95,927	$25,709	$121,636
RUSS BARKER	CHIEF OPERATING OFFICER	40.00	Officer	$72,923	$27,469	$100,392

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
2024	$3,519,194	$3,497,192	$4,956,508	$22,002
2023	$2,522,884	$3,239,380	$5,054,877	$-716,496
2022	$2,478,193	$3,034,571	$5,194,752	$-556,378
2021	$2,694,014	$2,274,951	$5,757,075	$419,063
2020	$2,755,328	$2,022,638	$5,494,507	$732,690
2019	$2,090,692	$1,609,258	$4,495,918	$481,434
2018	$1,477,458	$1,576,826	$4,027,695	$-99,368

BOYS AND GIRLS CLUBS OF CHATTANOOGA INC