LADIES OF CHARITY KNOXVILLE

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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

1942

Legal Domicile

Principal Officer

SUSAN M UNBEHAUN

Phone

8652475790

Tax Period

2025-01-01 to 2025-12-31

LADIES OF CHARITY KNOXVILLE, founded in 1942, is a community nonprofit in the Community Improvement sector that reported $2.1M in total revenue in fiscal year 2025. Expenses of $2.0M left a modest 5% surplus.

Mission

PROVIDE EMERGENCY ASSISTANCE TO THE POOR, PRIMARILY TO INDIVIDUALS REFERRED BY SOCIAL SERVICE AGENCIES.

Program Service Accomplishments

Program 1

Expenses: $1,542,428

PROVIDE ASSISTANCE WITH FOOD, UTILITIES, MEDICINE AND OTHER ITEMS TO NEEDY PERSONS. LADIES OF CHARITY RECEIVES A SUBSTANTIAL AMOUNT OF SERVICES FROM VOLUNTEERS IN CARRYING OUT ITS MISSION...

PROVIDE ASSISTANCE WITH FOOD, UTILITIES, MEDICINE AND OTHER ITEMS TO NEEDY PERSONS. LADIES OF CHARITY RECEIVES A SUBSTANTIAL AMOUNT OF SERVICES FROM VOLUNTEERS IN CARRYING OUT ITS MISSION. APPROXIMATELY 463 NONPROFESSIONAL VOLUNTEERS PROVIDED OVER 13,785 HOURS OF SERVICE WITH AN ESTIMATED VALUE OF 385,980.

Program 2

Expenses: $347,315 Revenue: $472,275

OPERATION OF THRIFT STORE TO PROVIDE LOW COST CLOTHING, FOOD AND OTHER HOUSEHOLD GOODS TO LOWER INCOME FAMILIES AND INDIVIDUALS IN NEED.

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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 $1,570,335

Program Service Revenue $472,275

Investment Income $9,098

Other Revenue $22,468

TOTAL REVENUE $2,074,176

Expense Breakdown

Grants Paid $1,315,905

Salaries & Benefits $347,089

Fundraising Expenses $19,709

Program Expenses $1,889,743

Other Expenses $302,011

TOTAL EXPENSES $1,965,005

Year-over-Year Comparison

	2025	2024	Change
Revenue	$2,074,176	$2,026,228	+0.0%
Expenses	$1,965,005	$2,074,263	-0.1%
Net Income	$109,171	$-48,035	-3.3%

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

841

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

$89,360

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN M UNBEHAUN	EXECUTIVE DI	40.00	Officer	$89,360	$0	$89,360
SUSAN CANNON	TREASURER	1.00	Officer Director	$0	$0	$0
JULIANNE CHAVEZ	MEMBER AT LA	1.00	Director	$0	$0	$0
FR TIM SULLIVAN CSP	MEMBER AT LA	1.00	Director	$0	$0	$0
NATALEA CUMMINGS	PAST PRESIDE	1.00	Director	$0	$0	$0
MELISSA CUPP	PRESIDENT EL	1.00	Director	$0	$0	$0
ALICE MANCINI	PRESIDENT	1.00	Officer Director	$0	$0	$0
JENNIFER ORILLION	RECORDING SE	1.00	Officer Director	$0	$0	$0
JONI PUNCH	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
ANITA TISDALE	MEMBER AT LA	1.00	Director	$0	$0	$0
CAROLINE ZENGEL	MEMBER AT LA	1.00	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	$2,074,176	$1,965,005	$2,281,870	$109,171
2024	$2,026,228	$2,074,263	$2,214,638	$-48,035
2023	$2,525,526	$2,447,524	$2,244,142	$78,002
2022	$2,415,547	$2,499,263	$2,156,948	$-83,716
2021	$2,172,549	$1,914,473	$2,246,400	$258,076
2020	$1,233,840	$1,178,474	$1,983,895	$55,366
2019	$1,303,276	$1,255,951	$1,920,384	$47,325
2018	$1,045,478	$957,853	$1,869,971	$87,625