SHOALS PRESBYTERIAN (MONTREAT) APTS (EIN 630790359) - 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

1982

Legal Domicile

Principal Officer

ALONDA CROSSLIN

Phone

2059331020

Tax Period

2024-07-01 to 2025-06-30

SHOALS PRESBYTERIAN (MONTREAT) APTS, founded in 1982, is a community nonprofit in the Housing & Shelter sector that reported $1.2M in total revenue in fiscal year 2019. Expenses of $1.1M left a modest 7% surplus.

Mission

TO PROVIDE LOW-INCOME HOUSING

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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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,323,013

Investment Income $2,418

Other Revenue $0

TOTAL REVENUE $1,325,431

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $1,132,218

Other Expenses $1,208,757

TOTAL EXPENSES $1,208,757

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,325,431	$1,299,143	+0.0%
Expenses	$1,208,757	$1,179,871	+0.0%
Net Income	$116,674	$119,272	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	Role	Reportable Comp	Other Comp	Total
JOHN HARRIS	DIRECTOR	Director	$0	$0	$0
JAINE GLAZE	DIRECTOR	Director	$0	$0	$0
SALLY PARKER	DIRECTOR	Director	$0	$0	$0
IAN SANFORD	DIRECTOR	Director	$0	$0	$0
LIBBA SHERROD	DIRECTOR	Director	$0	$0	$0
VICKI HARPER GILLS	DIRECTOR	Director	$0	$0	$0
LUDWIG SEME	DIRECTOR	Director	$0	$0	$0
SARAH HARPER	DIRECTOR	Director	$0	$0	$0
ALONDA CROSSLIN	DIRECTOR	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	$1,325,431	$1,208,757	$2,253,830	$116,674
2024	$1,299,143	$1,179,871	$2,260,412	$119,272
2023	$1,227,812	$1,167,405	$2,264,010	$60,407
2022	$1,193,609	$1,109,814	$2,315,462	$83,795
2021	$1,169,685	$1,026,034	$2,346,284	$143,651
2020	$1,158,798	$1,073,679	$2,298,448	$85,119

SHOALS PRESBYTERIAN (MONTREAT) APTS