CENTRAL WEST TENNESSEE ASSOCIATION

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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

1992

Legal Domicile

Phone

7316684907

Tax Period

2025-01-01 to 2025-12-31

CENTRAL WEST TENNESSEE ASSOCIATION, founded in 1992, is a small nonprofit that reported $131K in total revenue in fiscal year 2025. The organization ran a surplus of $28K, a strong 21% operating margin.

Mission

UNITING AND PROVIDING EDUCATION FOR REAL ESTATE PROFESSIONALS IN THE WEST TN AREA

Program Service Accomplishments

Program 1

Expenses: $87,386

UNITING AND PROVIDING EDUCATION FOR REAL ESTATE PROFESSIONALS IN THE WEST TN AREA

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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 $112,201

Program Service Revenue $0

Investment Income $19,066

Other Revenue $0

TOTAL REVENUE $131,267

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $87,386

Other Expenses $103,729

TOTAL EXPENSES $103,729

Year-over-Year Comparison

	2025	2024	Change
Revenue	$131,267	$137,267	0.0%
Expenses	$103,729	$98,883	+0.0%
Net Income	$27,538	$38,384	-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

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS MILLER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
HUNTER NEWBILL	DIRECTOR	1.00	Director	$0	$0	$0
KATIE HALE	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT A BEASLEY	DIRECTOR	1.00	Director	$0	$0	$0
DEBRA KEE	TREASURER	1.00	Officer Director	$0	$0	$0
TAMI REID	DIRECTOR	1.00	Director	$0	$0	$0
TONY NEIHOFF	DIRECTOR	1.00	Director	$0	$0	$0
MASON WARRINGTON	DIRECTOR	1.00	Director	$0	$0	$0
BRAD GREER	PRESIDENT	1.00	Officer Director	$0	$0	$0
KENNY SUTHERLAND	DIRECTOR	1.00	Director	$0	$0	$0
KRISTY FULLINGTON	DIRECTOR	1.00	Director	$0	$0	$0
BUFFY CREEKMORE	DIRECTOR	1.00	Director	$0	$0	$0
BRADLEY ARNOLD	DIRECTOR	1.00	Director	$0	$0	$0
LISA BARKER	DIRECTOR	1.00	Director	$0	$0	$0
BRENT WARD	EXECUTIVE DIRECTOR	40.00	Key Emp	$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	$131,267	$103,729	$809,558	$27,538
2024	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$152,753	$111,410	$663,226	$41,343
2022	$140,512	$115,458	$621,236	$25,054
2021	$119,324	$70,818	$573,855	$48,506
2020	$96,675	$54,007	$513,235	$42,668