Chattanooga Area Food Bank Inc (EIN 620867645) - 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

1972

Legal Domicile

Phone

4236221800

Tax Period

2024-07-01 to 2025-06-30

Chattanooga Area Food Bank Inc, founded in 1972, is a mid-sized nonprofit in the Food, Agriculture & Nutrition sector that reported $41.7M in total revenue in fiscal year 2024. Expenses of $39.2M left a modest 6% surplus.

Mission

To lead a network of partners and unite the community to eliminate hunger by feeding, nourishing, and empowering those we serve.

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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 $37,475,498

Program Service Revenue $3,855,126

Investment Income $379,694

Other Revenue $944

TOTAL REVENUE $41,711,262

Expense Breakdown

Grants Paid $32,660,946

Salaries & Benefits $3,781,300

Fundraising Expenses $1,032,688

Program Expenses $36,754,516

Other Expenses $2,488,471

TOTAL EXPENSES $39,240,950

Year-over-Year Comparison

	2024	2023	Change
Revenue	$41,711,262	$42,458,589	0.0%
Expenses	$39,240,950	$40,929,796	0.0%
Net Income	$2,470,312	$1,528,793	+0.6%

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

6867

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

$441,153

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Harriette STOKES	SECRETARY	2.0	Officer Director	$0	$0	$0
JENNIFER McIntyre	CHAIR	2.0	Officer Director	$0	$0	$0
MURPHY SAUCEMAN	TREASURER	2.0	Officer Director	$0	$0	$0
TRACEY SMITH	VICE CHAIR	2.0	Officer Director	$0	$0	$0
ALISA BASARABA	BOARD MEMBER	2.0	Director	$0	$0	$0
ANDREA LYONS	BOARD MEMBER	2.0	Director	$0	$0	$0
CAROL HIERONYMUS	BOARD MEMBER	2.0	Director	$0	$0	$0
CJ RECHER	BOARD MEMBER	2.0	Director	$0	$0	$0
DECLAN O'CONNELL	BOARD MEMBER	2.0	Director	$0	$0	$0
ELLIE LAPORTE	BOARD MEMBER	2.0	Director	$0	$0	$0
EMILY BLACKWELL	BOARD MEMBER	2.0	Director	$0	$0	$0
JUSTIN GRIERSON	BOARD MEMBER	2.0	Director	$0	$0	$0
KEN MITCHELL	BOARD MEMBER	2.0	Director	$0	$0	$0
SUE COLLINS	BOARD MEMBER	2.0	Director	$0	$0	$0
TAMARA STEWARD	BOARD MEMBER	2.0	Director	$0	$0	$0
ANGELA NICHOLETTE	CHIEF OPERATING OFFICER	40.0	Officer	$104,495	$14,956	$119,451
MELISSA BLEVINS	PRESIDENT AND CEO	40.0	Officer	$181,614	$12,624	$194,238
TIM MADDOX	CHIEF FINANCIAL OFFICER	40.0	Officer	$107,468	$19,996	$127,464

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	$41,711,262	$39,240,950	$19,588,577	$2,470,312
2024	$42,458,589	$40,929,796	$16,976,855	$1,528,793
2023	$33,949,925	$32,780,809	$15,680,133	$1,169,116
2022	$37,423,402	$36,411,638	$14,386,182	$1,011,764
2021	$40,483,306	$35,752,561	$13,005,178	$4,730,745
2020	$31,186,379	$29,727,499	$9,116,220	$1,458,880
2019	$26,921,307	$26,513,030	$6,948,371	$408,277
2018	$27,823,648	$27,706,570	$6,486,579	$117,078

Chattanooga Area Food Bank Inc