United Way of Obion County (EIN 620759210) - 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

1966

Legal Domicile

Principal Officer

Michelle Creswell

Phone

7318857658

Tax Period

2024-07-01 to 2025-06-30

United Way of Obion County, founded in 1966, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $69K in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year.

Mission

Distribute money to membership agencies

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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 $53,404

Program Service Revenue $13,835

Investment Income $2,065

Other Revenue $0

TOTAL REVENUE $69,304

Expense Breakdown

Grants Paid $41,999

Salaries & Benefits $19,380

Fundraising Expenses $8,957

Program Expenses $64,893

Other Expenses $12,471

TOTAL EXPENSES $73,850

Year-over-Year Comparison

	2024	2023	Change
Revenue	$69,304	$76,123	-0.1%
Expenses	$73,850	$91,498	-0.2%
Net Income	$-4,546	$-15,375	-0.7%

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

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

$18,000

Total Directors

$18,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lucas Flood	Board Member	0.00	Director	$0	$0	$0
Justin Stokes	Board Member	0.00	Director	$0	$0	$0
Michelle Bing	Board Member	0.00	Director	$0	$0	$0
Kyle Baggett	President	0.00	Officer Director	$0	$0	$0
Kendrick Hardin	Board Member	0.00	Director	$0	$0	$0
Michelle Creswell	Secretary/Exec Dir	0.25	Officer Director	$18,000	$0	$18,000
Andy Gibson	Board Member	0.00	Director	$0	$0	$0
Emily Stokes	Board Member	0.00	Director	$0	$0	$0
Charles Peery	Vice President	0.00	Officer Director	$0	$0	$0
Greg Dozier	Treasurer	0.00	Officer Director	$0	$0	$0
Melvin Dowell	Board Member	0.00	Director	$0	$0	$0
Tim Tanner	Board Member	0.00	Director	$0	$0	$0
Tyler Bolton	Board Member	0.00	Director	$0	$0	$0
Benjamin Beard	Board Member	0.00	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	$69,304	$73,850	$105,563	$-4,546
2024	$76,123	$91,498	$110,109	$-15,375
2023	$291,047	$257,419	$125,484	$33,628
2022	$59,545	$74,911	$91,856	$-15,366
2021	$75,854	$68,930	$107,222	$6,924
2020	$73,586	$73,601	$100,298	$-15
2019	$64,861	$79,264	$97,313	$-14,403

United Way of Obion County