LADIES OF CHARITY OF CHATANOOGA INC (EIN 620847871) - 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

1963

Legal Domicile

Principal Officer

Priscilla McLean

Phone

4236982846

Tax Period

2025-01-01 to 2025-12-31

LADIES OF CHARITY OF CHATANOOGA INC, founded in 1963, is a small nonprofit that reported $517K in total revenue in fiscal year 2025. Revenue surged 88% from the prior year, signaling strong growth momentum. Expenses of $449K left a modest 13% surplus.

Mission

TO SERVE THE NEEDY OF OUR COMMUNITY IN A SPIRIT OF FAITH, HUMILITY AND SIMPLICITY.

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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 $86,613

Program Service Revenue $217,715

Investment Income $8,688

Other Revenue $204,101

TOTAL REVENUE $517,117

Expense Breakdown

Grants Paid $202,515

Salaries & Benefits $76,601

Fundraising Expenses $0

Program Expenses $448,714

Other Expenses $73,665

TOTAL EXPENSES $448,714

Year-over-Year Comparison

	2025	2024	Change
Revenue	$517,117	$274,967	+0.9%
Expenses	$448,714	$223,346	+1.0%
Net Income	$68,403	$51,621	+0.3%

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

Employees

Volunteers

100

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
Priscilla McClean	PRESIDENT	6	Officer	$0	$0	$0
Theresa Dorsey	VICE PRESIDENT	2	Officer	$0	$0	$0
Sidney Czynski	SECRETARY	5	Officer	$0	$0	$0
Ann W Powell	TREASURER	12	Officer	$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	$517,117	$448,714	$718,264	$68,403
2024	$274,967	$223,346	$649,235	$51,621
2023	$245,743	$172,126	$598,000	$73,617
2022	$238,943	$248,482	$524,511	$-9,539
2021	$295,577	$188,567	$533,634	$107,010
2020	$160,754	$200,443	$426,073	$-39,689

LADIES OF CHARITY OF CHATANOOGA INC