CHRISTIAN TOWERS OF GALLATIN INC

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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

1974

Legal Domicile

Principal Officer

ED MAYBERRY

Phone

6153478978

Tax Period

2024-10-01 to 2025-09-30

CHRISTIAN TOWERS OF GALLATIN INC, founded in 1974, is a small nonprofit in the Human Services sector that reported $203K in total revenue in fiscal year 2024. Revenue fell 95% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $171K, a strong 84% operating margin.

Mission

TO PROVIDE LOW COST HOUSING FOR ELDERLY

Program Service Accomplishments

Program 1

Expenses: $30,112

TO PROVIDE LOW COST HOUSING FOR THE ELDERLY. DURING THE YEAR THE ORGANIZATION HAS SOLD IT ASSETS.

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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 $0

Program Service Revenue $0

Investment Income $203,271

Other Revenue $0

TOTAL REVENUE $203,271

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $30,112

Other Expenses $32,612

TOTAL EXPENSES $32,612

Year-over-Year Comparison

	2024	2023	Change
Revenue	$203,271	$3,977,473	-0.9%
Expenses	$32,612	$65,097	-0.5%
Net Income	$170,659	$3,912,376	-1.0%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
MIKE CLINARD	DIRECTOR	Director	$0	$0	$0
DAVID DEERE	DIRECTOR	Director	$0	$0	$0
JANICE HAYNES	DIRECTOR	Director	$0	$0	$0
ISABELLE GARIBALDI	DIRECTOR	Director	$0	$0	$0
V K RUTLEDGE	DIRECTOR	Director	$0	$0	$0
ED MAYBERRY	CHAIRMAN	Officer Director	$0	$0	$0
DAMON HOBBS	TREASURER	Officer 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	$203,271	$32,612	$5,602,433	$170,659
2024	$3,977,473	$65,097	$5,431,774	$3,912,376
2023	$993,977	$1,398,207	$1,577,692	$-404,230
2022	$1,038,538	$1,036,548	$1,874,518	$1,990
2021	$1,024,754	$1,020,228	$1,871,435	$4,526
2020	$959,972	$888,698	$1,864,910	$71,274
2019	$969,437	$912,945	$1,788,496	$56,492