COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA INC (EIN 630505905) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1965

Legal Domicile

Principal Officer

AMANDA BERRY

Phone

2567664330

Tax Period

2023-10-01 to 2024-09-30

COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA INC, founded in 1965, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2017.

Mission

OUR MISSION IS TO REDUCE THE CAUSES AND ADVERSE CONSEQUENCES OF POVERTY AND TO EMPOWER LOW-INCOME INDIVIDUALS, FAMILIES AND COMMUNITIES TO ACHIEVE SELF-SUFFICIENCY THROUGH ADVOCACY, RESOURCE UTILIZATION AND SERVICE DELIVERY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $4,776,399

Program Service Revenue $0

Investment Income $2,012

Other Revenue $0

TOTAL REVENUE $4,778,411

Expense Breakdown

Grants Paid $2,917,116

Salaries & Benefits $1,066,916

Fundraising Expenses $0

Program Expenses $4,226,504

Other Expenses $787,552

TOTAL EXPENSES $4,771,584

Year-over-Year Comparison

	2023	2022	Change
Revenue	$4,778,411	$4,025,315	+0.2%
Expenses	$4,771,584	$4,109,200	+0.2%
Net Income	$6,827	$-83,885	-1.1%

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

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
RUTH BARNETT	DIRECTOR	N/A	Director	$0	$0	$0
AMANDA BERRY	DIRECTOR/BOA	N/A	Officer Director	$0	$0	$0
TODD COCHRAN	DIRECTOR	N/A	Director	$0	$0	$0
LARRY COLLUM	DIRECTOR	N/A	Director	$0	$0	$0
TAYLOR COOPER	DIRECTOR	N/A	Director	$0	$0	$0
EDDIE GOODLOE	DIRECTOR	N/A	Director	$0	$0	$0
BENETIA GROCE	DIRECTOR	N/A	Director	$0	$0	$0
JOHN HARRIS	DIRECTOR	N/A	Director	$0	$0	$0
JUDY HENNESSEE	DIRECTOR	N/A	Director	$0	$0	$0
ANITA HOVATER	DIRECTOR	N/A	Director	$0	$0	$0
HERMAN JAGGERS	DIRECTOR	N/A	Director	$0	$0	$0
GARY JARNIGAN	DIRECTOR/SEC	N/A	Officer Director	$0	$0	$0
TRACIE THOMPSON	DIRECTOR/2ND	N/A	Officer Director	$0	$0	$0
PENNY TOWNSEND	DIRECTOR	N/A	Director	$0	$0	$0
JANE WILSON	DIRECTOR	N/A	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	$4,778,411	$4,771,584	$600,307	$6,827
2023	$4,025,315	$4,109,200	$562,601	$-83,885
2022	$5,106,388	$5,042,565	$638,358	$63,823
2021	$3,763,381	$3,791,880	$640,361	$-28,499
2020	$3,198,100	$3,166,463	$574,349	$31,637
2018	$2,773,671	$2,789,740	$449,371	$-16,069

COMMUNITY ACTION AGENCY OF NORTHWEST ALABAMA INC