TENNESSEE RIVER GARDENS (EIN 621786173) - 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

WILLIAM CALDWELL

Phone

4238217341

Tax Period

2024-01-01 to 2024-10-11

TENNESSEE RIVER GARDENS, founded in 1998, is a micro nonprofit that reported $4K in total revenue in fiscal year 2024. Revenue fell 88% from the prior year — a significant decline worth monitoring. Expenses of $665K exceeded revenue, resulting in a 18267% operating deficit.

Mission

OPERATION OF A WILDLIFE GARDEN AND NATURE PRESERVE IN THE RIVER GORGE OUTSIDE DOWNTOWN CHATTANOOGA, TENNESSEE.

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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 $23,721

Program Service Revenue $0

Investment Income $-20,099

Other Revenue $0

TOTAL REVENUE $3,622

Expense Breakdown

Grants Paid $585,901

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $645,165

Other Expenses $79,345

TOTAL EXPENSES $665,246

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,622	$30,811	-0.9%
Expenses	$665,246	$56,651	+10.7%
Net Income	$-661,624	$-25,840	+24.6%

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

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
ELIZABETH C WEST	SECRETARY	1.00	Officer Director	$0	$0	$0
CORINNE REYNOLDS	BOARD MEMBER	1.00	Director	$0	$0	$0
WILLIAM CALDWELL	PRESIDENT	1.00	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
2024	$3,622	$665,246	No data	$-661,624
2023	$30,811	$56,651	$682,070	$-25,840
2022	$16,070	$39,338	$717,531	$-23,268
2021	$54,005	$46,434	$752,487	$7,571
2020	$40,413	$84,322	$745,569	$-43,909
2019	$105,070	$106,468	$776,494	$-1,398
2018	$75,375	$116,243	$780,311	$-40,868

TENNESSEE RIVER GARDENS