JUNIOR LEAGUE OF CHATTANOOGA (EIN 620582665) - 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

1917

Legal Domicile

Principal Officer

MELISSA LOPER

Phone

4232675053

Tax Period

2024-06-01 to 2025-05-31

JUNIOR LEAGUE OF CHATTANOOGA, founded in 1917, is a small nonprofit in the Community Improvement sector that reported $161K in total revenue in fiscal year 2024. Net assets of $467K represent 35 months of operating reserves.

Mission

JUNIOR LEAGUE OF CHATTANOOGA, INC. IS AN ORGANIZATION OF WOMEN COMMITTED TO PROMOTING VOLUNTARISM, DEVELOPING THE POTENTIAL OF WOMEN, AND IMPROVING THE COMMUNITY THROUGH THE EFFECTIVE ACTION AND LEADERSHIP OF TRAINED VOLUNTEERS. IT IS ONLY THROUGH THE SUPPORT OF GENEROUS INDIVIDUALS AND BUSINESSES THAT WE CAN MAKE OUR PROGRAMS SUCCEED.

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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 $154,327

Program Service Revenue $0

Investment Income $21,383

Other Revenue $-14,560

TOTAL REVENUE $161,150

Expense Breakdown

Grants Paid $20,167

Salaries & Benefits $29,107

Fundraising Expenses $0

Program Expenses $123,429

Other Expenses $115,273

TOTAL EXPENSES $164,547

Year-over-Year Comparison

	2024	2023	Change
Revenue	$161,150	$163,082	0.0%
Expenses	$164,547	$149,535	+0.1%
Net Income	$-3,397	$13,547	-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

N/A

Employees

Volunteers

411

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
MELISSA LOPER	PRESIDENT	15.00	Officer Director	$0	$0	$0
ABBEY ASHLEY	SECRETARY	2.00	Officer Director	$0	$0	$0
KIM DAVIS	TREASURER	2.00	Officer Director	$0	$0	$0
SAMANTHA REDINGER	VP COMMUNITY ENGAGEMENT	3.00	Officer Director	$0	$0	$0
CLAIRE PORTILLA	VP MARKETING & COMMUNICATI	15.00	Officer Director	$0	$0	$0
ANNIE MILLER	PRESIDENT - ELECT	10.00	Officer Director	$0	$0	$0
DANIELLE BUCKEN	VP NOMINATING & PLACEMENT	9.00	Officer Director	$0	$0	$0
RACHEL PELL	DIRECTOR OF PROGRAMMING &	3.00	Officer Director	$0	$0	$0
ALAYNA BEST	EXECUTIVE COORDINATOR	3.00	Officer Director	$0	$0	$0
MELISSA GRAVELINE	VP FUND DEVELOPMENT	3.00	Officer Director	$0	$0	$0
RENEESE POPE	VP MEMBERSHIP	3.00	Officer 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	$161,150	$164,547	$515,583	$-3,397
2024	$163,082	$149,535	$505,870	$13,547

JUNIOR LEAGUE OF CHATTANOOGA