Greater Chattanooga Christian Services Inc (EIN 620854816) - 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

1980

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Greater Chattanooga Christian Services Inc, founded in 1980, is a small nonprofit in the Human Services sector that reported $293K in total revenue in fiscal year 2023. Revenue surged 52% from the prior year, signaling strong growth momentum. The organization ran a surplus of $79K, a strong 27% operating margin.

Mission

Provide Group and Foster care for Homeless Children and Counseling

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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 $186,265

Program Service Revenue $48,738

Investment Income $57,612

Other Revenue $580

TOTAL REVENUE $293,195

Expense Breakdown

Grants Paid $0

Salaries & Benefits $184,156

Fundraising Expenses $53,004

Program Expenses $145,551

Other Expenses $28,600

TOTAL EXPENSES $214,505

Year-over-Year Comparison

	2023	2022	Change
Revenue	$293,195	$193,131	+0.5%
Expenses	$214,505	$236,298	-0.1%
Net Income	$78,690	$-43,167	-2.8%

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

N/A

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

$21,411

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Steve Grubb	Administrator	20.00	Key Emp	$21,411	$0	$21,411
Fred Stewart	Director	0.00	Director	$0	$0	$0
Randell Webb	Director	0.00	Director	$0	$0	$0
Wade Kelley	Director	0.00	Director	$0	$0	$0
Ovid McNatt	Director	0.00	Director	$0	$0	$0
Teresa Horton	Secretary	0.00	Officer	$0	$0	$0
Gregory Kapo	Treasurer	0.00	Officer	$0	$0	$0
David Brandt	Vice President	0.00	Officer	$0	$0	$0
David Gray	President	0.00	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
2024	No data	No data	No data	No data
2023	$293,195	$214,505	$548,997	$78,690
2022	$193,131	$236,298	$470,307	$-43,167
2021	$250,857	$225,011	$513,474	$25,846
2020	$246,695	$236,225	$526,099	$10,470
2019	$237,093	$187,171	$479,489	$49,922
2018	$140,549	$164,173	$433,894	$-23,624

Greater Chattanooga Christian Services Inc