CHATTANOOGA NEIGHBORHOOD ENTERPRIS… - Form 990 Financial Data

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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

1986

Legal Domicile

Principal Officer

MARTINA GUILFOIL

Phone

4237566201

Tax Period

2023-07-01 to 2024-06-30

CHATTANOOGA NEIGHBORHOOD ENTERPRISE INC, founded in 1986, is a community nonprofit in the Housing & Shelter sector that reported $6.7M in total revenue in fiscal year 2023. Revenue surged 41% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.0M, a strong 15% operating margin.

Mission

TO PRESERVE, REHABILITATE, AND PREVENT DETERIORATION OF RENTAL UNITS AND SINGLE-FAMILY DWELLINGS; TO ENCOURAGE HOME OWNERSHIP AND REHABILITATION THROUGH BELOW-MARKET LOANS; TO DEVELOP A TRAINING PROGRAM FOR IN-HOME MAINTENANCE AND REPAIR; (CONTINUED AT SCHEDULE O) TO PROMOTE NEIGHBORHOOD BEAUTIFICATION AND SELF-IMPROVEMENT PROJECTS; TO PROMOTE NEIGBORHOOD REVITALIZATION; AND TO PROMOTE THE ENFORCEMENT OF UNIFORM BUILDING CODES AND ELIMINATE ALL SUBSTANDARD HOUSING IN THE CITY OF CHATTANOOGA AND HAMILTON COUNTY, TENNESSEE.

Program Service Accomplishments

Program 1

Expenses: $3,879,855 Revenue: $2,495,543

PROVIDE FINANCIAL ASSISTANCE TO PREVENT EVICTIONS AND PROVIDE HOUSING STABILITY SERVICES TO KEEP RENTERS AND HOMEOWNERS IN THEIR HOMES.

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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 $4,190,388

Program Service Revenue $2,495,543

Investment Income $0

Other Revenue $0

TOTAL REVENUE $6,685,931

Expense Breakdown

Grants Paid $901,834

Salaries & Benefits $1,741,422

Fundraising Expenses $85,894

Program Expenses $3,879,855

Other Expenses $3,013,754

TOTAL EXPENSES $5,657,010

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,685,931	$4,725,730	+0.4%
Expenses	$5,657,010	$3,846,947	+0.5%
Net Income	$1,028,921	$878,783	+0.2%

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

134

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

$332,287

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREA HARDAWAY	CHAIR	1.00	Officer Director	$0	$0	$0
JERRY LEE	TREASURER	1.00	Officer Director	$0	$0	$0
MATT LYLE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
MARIA NOEL	SECRETARY	1.00	Officer Director	$0	$0	$0
TAMEKIA BREWER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN CRAWFORD	DIRECTOR	1.00	Director	$0	$0	$0
JENNY HILL	DIRECTOR	1.00	Director	$0	$0	$0
FRANK HUGHES	DIRECTOR	1.00	Director	$0	$0	$0
ANDY LEFFLER	DIRECTOR	1.00	Director	$0	$0	$0
MARY ANN SCHENK	DIRECTOR	1.00	Director	$0	$0	$0
TD SCOTT	DIRECTOR	1.00	Director	$0	$0	$0
GENE SHILES	DIRECTOR	1.00	Director	$0	$0	$0
JASON STEELE	DIRECTOR	1.00	Director	$0	$0	$0
MARTINA GUILFOIL	EXECUTIVE DIRECTOR	40.00	Officer	$173,018	$20,824	$193,842
DARLA BLAND	CHIEF FINANCIAL OFFICER	40.00	Officer	$121,179	$17,266	$138,445

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	No data	No data	No data	No data
2024	$6,685,931	$5,657,010	$32,083,031	$1,028,921
2023	$4,725,730	$3,846,947	$29,047,998	$878,783
2022	$4,089,367	$3,579,071	$25,801,135	$510,296
2021	$5,214,534	$4,247,417	$22,805,649	$967,117
2020	$3,766,874	$3,273,002	$19,956,144	$493,872
2019	$3,508,827	$2,640,722	$15,713,195	$868,105

CHATTANOOGA NEIGHBORHOOD ENTERPRISE INC