SOUTHWEST MISSISSIPPI PLANNING AND

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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

1975

Legal Domicile

Tax Period

2023-10-01 to 2024-09-30

SOUTHWEST MISSISSIPPI PLANNING AND, founded in 1975, is a mid-sized nonprofit in the Community Improvement sector that reported $10.1M in total revenue in fiscal year 2023. Expenses of $9.8M left a modest 3% surplus.

Mission

ECONOMIC DEVELOPMENT AND GRANT WRITING FOR COUNTIES AND MUNICIPALITIES, SERVING THE ELDERLY AND REVOLVING LOAN PROGRAMS TO ELIGIBLE BUSINESSES AND INDIVIDUALS.

Program Service Accomplishments

Program 1

Expenses: $7,673,847

SERVICES FOR THE ELDERLY WHICH INCLUDES TRANSPORTATION, MEALS, HOMEMAKER, OUTREACH, INFORMATION AND REFERRAL, LEGAL, OMBUDSMAN, SENIOR CENTER, ADULT DAY CARE AND MEDICAID WAIVER.

Program 2

Expenses: $701,870

ECONOMIC DEVELOPMENT, GRANT WRITING FOR COUNTIES AND MUNICIPALITIES, AND WORKFORCE INVESTMENT.

Program 3

Expenses: $32,604

REVOLVING LOAN PROGRAM - PROVIDE LOW INTEREST LOANS TO ELIGIBLE INDIVIDUALS OR BUSINESSES TO START UP OR EXPAND A BUSINESS TO HELP REINFORCE ECONOMIC DEVELOPMENT

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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 $10,018,599

Program Service Revenue $0

Investment Income $61,733

Other Revenue $0

TOTAL REVENUE $10,080,332

Expense Breakdown

Grants Paid $511,778

Salaries & Benefits $5,188,338

Fundraising Expenses $0

Program Expenses $8,408,321

Other Expenses $4,057,653

TOTAL EXPENSES $9,757,769

Year-over-Year Comparison

	2023	2022	Change
Revenue	$10,080,332	N/A	N/A
Expenses	$9,757,769	N/A	N/A
Net Income	$322,563	N/A	N/A

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
EARNEST NEWMAN	BOARD MEMBER	0.00	Director	$0	$0	$0
ROBERT ACCARDO	BOARD MEMBER	0.00	Director	$0	$0	$0
MARVIN TOLLIVER	BOARD MEMBER	0.00	Director	$0	$0	$0
BOBBY JOHNSON	BOARD MEMBER	0.00	Director	$0	$0	$0
KENYON JACKSON	BOARD MEMBER	0.00	Director	$0	$0	$0
JERRY WILSON	BOARD MEMBER	0.00	Director	$0	$0	$0
JILL BUSBY	BOARD MEMBER	0.00	Director	$0	$0	$0
EDDIE BROWN	BOARD MEMBER	0.00	Director	$0	$0	$0
LARRY MONTGOMERY	BOARD MEMBER	0.00	Director	$0	$0	$0
ROBERT JONES	BOARD MEMBER	0.00	Director	$0	$0	$0
CANTRELL HAMMITTEE	BOARD MEMEBER	0.00	Director	$0	$0	$0
VACANT	BOARD MEMBER	0.00	Director	$0	$0	$0
VACANT	BOARD MEMBER	0.00	Director	$0	$0	$0
VACANT	BOARD MEMBER	0.00	Director	$0	$0	$0
BRUCE WALTON	BOARD MEMBER	0.00	Director	$0	$0	$0
VACANT	BOARD MEMBER	0.00	Director	$0	$0	$0
SHAUN THOMPSON	BOARD MEMBER	0.00	Director	$0	$0	$0
JUSTIN LOFTON	BOARD MEMBER	0.00	Director	$0	$0	$0
ROGER GINN	BOARD MEMBER	0.00	Director	$0	$0	$0
VACANT	BOAD MEMEBER	0.00	Director	$0	$0	$0
LLOYD BULLOCK	BOARD MEMEBER	0.00	Director	$0	$0	$0
TERRENCE YOUNG	BOARD MEMBER	0.00	Director	$0	$0	$0
DIANA GILLARD	BOARD MEMBER	0.00	Director	$0	$0	$0
NICOLE YOUNG	BOARD MEMBER	0.00	Director	$0	$0	$0
WILLIE WHITE	BOARD MEMBER	0.00	Director	$0	$0	$0
JACKIE WHITTINGTON	BOARD MEMBER	0.00	Director	$0	$0	$0
RICKY GRAY	BOARD MEMBER	0.00	Director	$0	$0	$0
MIKE LAZARUS	BOARD MEMBER	0.00	Director	$0	$0	$0
WARREN GAINES	BOARD MEMBER	0.00	Director	$0	$0	$0
ANGELA HUTCHINS	BOARD MEMBER	0.00	Director	$0	$0	$0
MILDRED HOWARD	BOARD MEMBER	0.00	Director	$0	$0	$0
NOLAN WILLIAMSON	BOARD MEMBER	0.00	Director	$0	$0	$0
SAMUEL WHITE	BOARD MEMBER	0.00	Director	$0	$0	$0
LANE REED	BOARD MEMBER	0.00	Director	$0	$0	$0
DAVE NICHOLS	BOARD MEMBER	0.00	Director	$0	$0	$0
RONALD HUNT	BOARD MEMBER	0.00	Director	$0	$0	$0
EDDIE STEBBINS	BOARD MEMBER	0.00	Director	$0	$0	$0
BRAD A JONES	BOARD MEMBER	0.00	Director	$0	$0	$0
HELEN HUNTER	BOARD MEMBER	0.00	Director	$0	$0	$0
WARREN LEAKE	BOARD MEMBER	0.00	Director	$0	$0	$0
WIRT L PETERSON	EXECUTIVE DIRECTOR	40.00	Key Emp	$0	$0	$0
MANFRED EIDT	SUPERVISOR	40.00	Highest	$0	$0	$0
BOBBI YOUNG	ACCOUNTANT	40.00	Highest	$0	$0	$0
SOPHRONIA HUGHES	FISCAL OFFICER	40.00	Highest	$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	$10,080,332	$9,757,769	$15,732,971	$322,563
2023	$9,332,233	$9,110,366	$15,255,919	$221,867
2022	$9,200,476	$8,989,747	$15,032,533	$210,729
2021	$8,375,753	$8,351,325	$14,931,557	$24,428
2020	$8,494,014	$8,079,817	$15,006,369	$414,197
2019	$8,147,947	$8,129,465	$14,571,048	$18,482
2018	$8,064,907	$8,081,140	$14,538,666	$-16,233