CHATTANOOGA SKI CLUB INC

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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

1996

Legal Domicile

Principal Officer

KAREN HALL

Phone

4233087770

Tax Period

2023-07-01 to 2024-06-30

CHATTANOOGA SKI CLUB INC, founded in 1996, is a small nonprofit in the Recreation & Sports sector that reported $167K in total revenue in fiscal year 2023. Revenue fell 58% from the prior year — a significant decline worth monitoring. Expenses of $159K left a modest 5% surplus.

Mission

ORGANIZES SKI TRIPS AND RELATED ACTIVITIES FOR CLUB MEMBERS.

Program Service Accomplishments

Program 1

THE ORGANIZATION PROVIDES DISCOUNTED SNOW SKIING TRIPS AND OTHER RELATED ACTIVITIES FOR CLUB MEMBERS WHICH RAISE FUNDS FOR QUALIFIED CHARITABLE ORGANIZATIONS.

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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 $7,256

Program Service Revenue $154,099

Investment Income $5,658

Other Revenue $0

TOTAL REVENUE $167,013

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $158,557

TOTAL EXPENSES $158,557

Year-over-Year Comparison

	2023	2022	Change
Revenue	$167,013	$401,619	-0.6%
Expenses	$158,557	$393,514	-0.6%
Net Income	$8,456	$8,105	+0.0%

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
KAREN HALL	TREASURER	5.00	Officer Director	$0	$0	$0
HILDA JONES	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
JOHN NEBLETT	SECRETARY	5.00	Officer Director	$0	$0	$0
ASHLEY OWNBY	PRESIDENT	5.00	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
2025	No data	No data	No data	No data
2024	$167,013	$158,557	$312,081	$8,456
2023	$401,619	$393,514	$153,547	$8,105
2022	$148,317	$143,925	$195,864	$4,392
2021	$81,987	$80,406	$157,912	$1,581
2020	$430,885	$426,313	$129,049	$4,572
2019	$391,070	$389,847	$276,496	$1,223