ACC CAPITAL INC (EIN 710312420) - 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

1957

Legal Domicile

Principal Officer

SAM WALLS III

Phone

5013749247

Tax Period

2024-01-01 to 2024-12-31

ARKANSAS CAPITAL CORPORATION, founded in 1957, is a community nonprofit that reported $6.9M in total revenue in fiscal year 2018. The organization ran a surplus of $1.8M, a strong 25% operating margin.

Mission

ACC CAPITAL IS A PRIVATE, NONPROFIT LENDING CORPORATION EMPOWERING ENTREPRENEURS NATIONALLY. THE ORGANIZATION OFFERS FLEXIBLE CAPITAL SOLUTIONS TO MEET THE UNIQUE NEEDS OF ENTREPRENEURS, SMALL BUSINESSES, AND ECONOMIC AND COMMUNITY DEVELOPMENT PROJECTS. SINCE 1957, ACC CAPITAL HAS PARTNERED WITH COMMERCIAL BANKS, GOVERNMENT AGENCIES, AND OTHERS AT LOCAL, STATE, REGIONAL, AND NATIONAL LEVELS TO DEPLOY OVER $2.34 BILLION IN CAPITAL FINANCING.

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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 $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

ACC CAPITAL INC