CHATTANOOGA COMMUNITY DEVELOPMENT … - Form 990 Financial Data

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1986

Legal Domicile

Principal Officer

DARLA BLAND

Phone

4237566201

Tax Period

2018-07-01 to 2019-06-30

CHATTANOOGA COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION INC, founded in 1986, is a micro nonprofit that reported $76K in total revenue in fiscal year 2018. Revenue surged 71% from the prior year, signaling strong growth momentum. The organization ran a surplus of $67K, a strong 89% operating margin.

Mission

THE ORGANIZATION WAS ESTABLISHED TO PROVIDE ACCESS TO MEZZANINE CREDIT AND CAPITAL FOR BORROWERS OR PROJECTS THAT SUPPORT COMMUNITY DEVELOPMENT IN THE CITY OF CHATTANOOGA AND HAMILTON COUNTY, TENNESSEE, PRIMARILY OF A CAPITAL PROJECTS NATURE.

Program Service Accomplishments

Program 1

Expenses: $8,593 Revenue: $75,771

PROVIDE ACCESS TO CREDIT AND CAPITAL FOR UNCONVENTIONAL BORROWERS OR PROJECTS THAT SUPPORT COMMUNITY DEVELOPMENT IN THE CITY OF CHATTANOOGA AND HAMILTON COUNTY, TENNESSEE.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $16,414

Investment Income $50,827

Other Revenue $8,530

TOTAL REVENUE $75,771

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $8,593

Other Expenses $8,593

TOTAL EXPENSES $8,593

Year-over-Year Comparison

	2018	2017	Change
Revenue	$75,771	$44,321	+0.7%
Expenses	$8,593	$20,063	-0.6%
Net Income	$67,178	$24,258	+1.8%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

N/A

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
STEPHEN JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
KENNY DYER	DIRECTOR	1.00	Director	$0	$0	$0
HUGH SHARBER	CHAIRMAN	2.00	Officer	$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
2019	$75,771	$8,593	No data	$67,178

CHATTANOOGA COMMUNITY DEVELOPMENT FINANCIAL INSTITUTION INC