Junior Achievment of Chattanooga

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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

1960

Legal Domicile

Tax Period

2023-07-01 to 2024-06-30

Junior Achievment of Chattanooga, founded in 1960, is a small nonprofit in the International Affairs sector that reported $526K in total revenue in fiscal year 2023. Revenue surged 71% from the prior year, signaling strong growth momentum. The organization ran a surplus of $152K, a strong 29% operating margin.

Mission

Junior Achievement empowers young people to own their economic success.

Program Service Accomplishments

Program 1

Expenses: $328,295

Junior Achievement volunteer-driven K-12 programs foster work-readiness, entrepreneurship, and financial literacy skills, and use experiential learning to inspire kids to dream big and reach their...

Junior Achievement volunteer-driven K-12 programs foster work-readiness, entrepreneurship, and financial literacy skills, and use experiential learning to inspire kids to dream big and reach their potential. Junior Achievement of Chattanooga awards four (4) college scholarships to seniors who have participated in a Junior Achievement program during high school and exhibit potential for future success.

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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 (2023)

Revenue Breakdown

Contributions & Grants $363,681

Program Service Revenue $0

Investment Income $1,279

Other Revenue $161,436

TOTAL REVENUE $526,396

Expense Breakdown

Grants Paid $0

Salaries & Benefits $223,524

Fundraising Expenses $24,268

Program Expenses $328,295

Other Expenses $150,481

TOTAL EXPENSES $374,005

Year-over-Year Comparison

	2023	2022	Change
Revenue	$526,396	$308,734	+0.7%
Expenses	$374,005	$320,002	+0.2%
Net Income	$152,391	$-11,268	-14.5%

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

476

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	Role	Reportable Comp	Other Comp	Total
Joan Rose	Director	Director	$0	$0	$0
Dr Abeer Mustafa	Director	Director	$0	$0	$0
Lee Connell	Director	Director	$0	$0	$0
Stephen Pike	Director	Director	$0	$0	$0
Jackie Creswell	Director	Director	$0	$0	$0
Lee Riddle	Director	Director	$0	$0	$0
Dr Ross Ian Vance	Director	Director	$0	$0	$0
Eddie Vaughn	Event Chair - Golf Tourney	Director	$0	$0	$0
Marsha Easter	Director	Director	$0	$0	$0
James Morgan	Event Chair Bowl-a-thon	Director	$0	$0	$0
Scott Carswell	Director	Director	$0	$0	$0
Jeremy Dean	Director	Director	$0	$0	$0
Mark Turner	Director	Director	$0	$0	$0
Lucy Gates	Director	Director	$0	$0	$0
Charles Millirons	Director	Director	$0	$0	$0
Lynn Rice	Director	Director	$0	$0	$0
Casey Hammontree	Board Chair	Director	$0	$0	$0
Valerie Lucas	Corporate Secretary	Director	$0	$0	$0
Rhonda Beard	Director	Director	$0	$0	$0
Joshua Berry	Director	Director	$0	$0	$0
Sherry Bullard	Vice - Chair of Education	Director	$0	$0	$0
Alex Miller	Director	Director	$0	$0	$0
Brittany Spurlock	Director	Director	$0	$0	$0
Gerry Bassett	Treasurer	Director	$0	$0	$0
Hayden Suits	Events Chair Game Show Auctio	Director	$0	$0	$0
Brigette Thurman	President	Key Emp	$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	No data	No data	No data	No data
2024	$526,396	$374,005	$388,364	$152,391
2023	$308,734	$320,002	$238,983	$-11,268
2022	$276,292	$260,303	$215,739	$15,989
2021	$266,955	$319,177	$199,649	$-52,222
2020	$388,151	$404,086	$256,595	$-15,935
2019	$383,863	$402,765	$229,671	$-18,902