4 MARKET SQUARE INC (EIN 621719382) - Form 990 Financial Analysis & Trantor Score

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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

1998

Legal Domicile

Principal Officer

RICK KUHLMAN

Phone

8655444427

Tax Period

2022-07-01 to 2023-06-30

4 MARKET SQUARE INC, founded in 1998, is a small nonprofit in the Religion sector that reported $554K in total revenue in fiscal year 2022. Revenue surged 102% from the prior year, signaling strong growth momentum. The organization ran a surplus of $165K, a strong 30% operating margin.

Mission

PRIMARILY TO SPREAD THE GOSPEL OF JESUS CHRIST IN DOWNTOWN KNOXVILLE, TENNESSEE BY SERVING THE COMMUNITY OF THE GREATER KNOXVILLE AREA THROUGH THE PROVISION OF SERVICES, RESOURCES, WORSHIP, TEACHING, FELLOWSHIP AND NETWORKING CAPABILITIES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $75,959

Program Service Revenue $165,600

Investment Income $1,196

Other Revenue $310,937

TOTAL REVENUE $553,692

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,474

Fundraising Expenses $0

Program Expenses $290,407

Other Expenses $300,988

TOTAL EXPENSES $388,462

Year-over-Year Comparison

	2022	2021	Change
Revenue	$553,692	$274,352	+1.0%
Expenses	$388,462	$166,391	+1.3%
Net Income	$165,230	$107,961	+0.5%

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

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

$65,940

Total Directors

$65,940

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FREDERICK B KUHLMAN	EXECUTIVE DIRECTOR/PRESIDE	40.00	Officer Director	$65,940	$0	$65,940
NADIM JUBRAN	CHAIRMAN	1.00	Officer Director	$0	$0	$0
EMILY DEJARNETT	VICE CHAIRMAN & TREASURER	1.00	Officer Director	$0	$0	$0
BILL COLEY	SECRETARY	0.50	Officer Director	$0	$0	$0
PATRICK MCGLOTHIN	BOARD MEMBER	0.25	Director	$0	$0	$0
ANDERSON OLDS	BOARD MEMBER	0.25	Director	$0	$0	$0
MARTY BROWN	BOARD MEMBER	0.25	Director	$0	$0	$0
JAY COBBLE	BOARD MEMBER	1.00	Director	$0	$0	$0
BRYAN TERRILL	BOARD MEMBER	0.25	Director	$0	$0	$0
TAMMY WHITE	BOARD MEMBER	0.25	Director	$0	$0	$0
CHRYSTAL ARMSTRONG BROWN	BOARD MEMBER	0.25	Director	$0	$0	$0
JOAN CRONAN	BOARD MEMBER	0.25	Director	$0	$0	$0
TENNION REED	BOARD MEMBER	0.25	Director	$0	$0	$0
DEBBIE ERNSBERGER	BOARD MEMBER	0.25	Director	$0	$0	$0
GARY STRATTON	BOARD MEMBER	0.25	Director	$0	$0	$0
KELLY DRUMMOND	BOARD MEMBER	0.25	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$553,692	$388,462	$7,362,806	$165,230
2022	$274,352	$166,391	$7,223,404	$107,961
2021	$491,659	$349,752	$7,129,618	$141,907
2020	$515,315	$361,204	$6,963,998	$154,111
2019	$437,706	$381,604	$6,804,619	$56,102
2018	$340,357	$225,950	$461,476	$114,407

4 MARKET SQUARE INC