ACC CAPITAL 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

1957

Legal Domicile

Principal Officer

SAM WALLS III

Phone

5013749247

Tax Period

2024-01-01 to 2024-12-31

ACC CAPITAL INC, founded in 1957, is a mid-sized nonprofit that reported $14.7M in total revenue in fiscal year 2024. Revenue surged 132% from the prior year, signaling strong growth momentum. The organization ran a surplus of $5.1M, a strong 35% operating margin.

Mission

ACC CAPITAL IS A PRIVATE NONPROFIT FINANCIAL LEADER ON A MISSION FOR ECONOMIC CHANGE. WE ARE DEDICATED TO EMPOWERING ENTREPRENEURS AND UPLIFTING COMMUNITIES WITH ACCESSIBLE LOANS, RESOURCES, AND OVER 68 YEARS OF EXPERIENCE.

Program Service Accomplishments

Program 1

TO PROMOTE, STIMULATE, DEVELOP AND ADVANCE THE BUSINESS PROSPERITY AND ECONOMIC WELFARE NATIONWIDE. TO PROVIDE FINANCING FOR THE PROMOTION, DEVELOPMENT AND CONDUCT OF ALL KINDS OF BUSINESSES IN THE US, WHILE ASSISTING IN THE ECONOMIC DEVELOPMENT THROUGH INTERMEDIATE AND LONG-TERM LOANS.

Program 2

LAST YEAR ACC CAPITAL INTRODUCED ITS MICROLOAN PROGRAM - A SMALLER LENDING SERVICE OF $5,000 TO $50,000; DESIGNED TO SUPPORT SMALL BUSINESSES AND ENTREPRENEURS ON THEIR WAY TO SUCCESS. FOCUSING ON...

LAST YEAR ACC CAPITAL INTRODUCED ITS MICROLOAN PROGRAM - A SMALLER LENDING SERVICE OF $5,000 TO $50,000; DESIGNED TO SUPPORT SMALL BUSINESSES AND ENTREPRENEURS ON THEIR WAY TO SUCCESS. FOCUSING ON ARKANSAS AND MEMPHIS, THIS PROGRAM SEEKS TO CREATE NEW BUSINESS OPPORTUNITIES THROUGH LOANS AND TECHNICAL ASSISTANCE WHEN BUSINESSES ARE OVERLOOKED BY TRADITIONAL LENDERS.

Program 3

ACC CAPITAL FORMED PINE STATE REGIONAL CENTER AS AN ARKANSAS LIMITED LIABILITY COMPANY TO SPONSOR QUALIFIED EB-5 PROJECTS THAT PROMOTE THE EXPANSION OF THE REGIONAL ECONOMY BY INCREASING EXPORTS...

ACC CAPITAL FORMED PINE STATE REGIONAL CENTER AS AN ARKANSAS LIMITED LIABILITY COMPANY TO SPONSOR QUALIFIED EB-5 PROJECTS THAT PROMOTE THE EXPANSION OF THE REGIONAL ECONOMY BY INCREASING EXPORTS, HOUSEHOLD EARNING, PRODUCTIVITY, AND DOMESTIC CAPITAL - ALL WITH A PARTICULAR EMPHASIS ON PERMANENT JOB CREATION WITHIN PINE STATE REGIONAL CENTER'S GEOGRAPHIC FOOTPRINT.

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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 $3,200,258

Program Service Revenue $11,299,013

Investment Income $129,512

Other Revenue $52,233

TOTAL REVENUE $14,681,016

Expense Breakdown

Grants Paid $552,056

Salaries & Benefits $5,616,254

Fundraising Expenses $0

Other Expenses $3,433,570

TOTAL EXPENSES $9,601,880

Year-over-Year Comparison

	2024	2023	Change
Revenue	$14,681,016	$6,333,348	+1.3%
Expenses	$9,601,880	$5,988,866	+0.6%
Net Income	$5,079,136	$344,482	+13.7%

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

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

$1,175,057

Total Directors

$548,087

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARROLL PENICK	CHAIRMAN	0.00	Officer Director	$2,400	$0	$2,400
BRYAN SCOGGINS	VICE CHAIRMAN	0.00	Officer Director	$2,500	$0	$2,500
WILLIAM STAED	DIRECTOR	0.00	Director	$2,300	$0	$2,300
JEFF AMERINE	DIRECTOR	0.00	Director	$1,500	$0	$1,500
DAVID SHINDLER	DIRECTOR	0.00	Director	$2,350	$0	$2,350
JERRY BULLARD	DIRECTOR	0.00	Director	$1,000	$0	$1,000
VIRGIL L MLLER JR	DIRECTOR	0.00	Director	$2,350	$0	$2,350
ROBERT TED GAMMILL	DIRECTOR	0.00	Director	$2,100	$0	$2,100
MARTHA MOORE	DIRECTOR	0.00	Director	$2,050	$0	$2,050
KAREN MARINE	DIRECTOR	0.00	Director	$2,100	$0	$2,100
KEVIN BURNS	DIRECTOR	0.00	Director	$2,650	$0	$2,650
EMILY MCELROY	DIRECTOR	0.00	Director	$2,100	$0	$2,100
J RUSSELL GUERRA	DIRECTOR	0.00	Director	$2,350	$0	$2,350
LAURA FINE	DIRECTOR	0.00	Director	$0	$0	$0
SHELLE RANDALL	DIRECTOR	0.00	Director	$2,100	$0	$2,100
LORRIE TROGDEN	DIRECTOR	0.00	Director	$2,200	$0	$2,200
SHAMIM OKOLLOH	DIRECTOR	0.00	Director	$1,500	$0	$1,500
SAM WALLS III	CEO	40.00	Officer Director	$451,941	$62,596	$514,537
LESLIE LANE	PRESIDENT	40.00	Officer	$375,450	$43,575	$419,025
DREW SPEED	CFO (JAN-SEPT)	40.00	Officer	$102,202	$13,132	$115,334
SCOTT GARDNER	CFO	40.00	Officer	$109,937	$11,324	$121,261
BERT KING	SVP	40.00	Highest	$178,897	$35,217	$214,114
CRAIG CALAFATI	EVP	40.00	Highest	$203,071	$26,992	$230,063
RUSH B DEACON	SVP	40.00	Highest	$248,076	$30,963	$279,039
BECKA WEBB	SECRETARY & TREASURER	40.00	Highest	$194,829	$19,483	$214,312
SEBASTIAN STUBBE	MANAGING DIRECTOR	40.00	Highest	$909,031	$44,444	$953,475

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	$14,681,016	$9,601,880	$35,379,756	$5,079,136
2023	$6,333,348	$5,988,866	$25,339,501	$344,482
2022	$6,212,873	$5,125,872	$24,035,147	$1,087,001
2021	$8,371,701	$5,484,115	$35,717,433	$2,887,586
2020	$7,196,098	$4,752,379	$80,006,463	$2,443,719
2019	$6,485,981	$4,409,563	$36,312,075	$2,076,418
2018	$6,932,313	$5,176,420	$35,881,627	$1,755,893