ARKANSAS CAPITAL RELENDING CORP (EIN 710811347) - 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

1998

Legal Domicile

Principal Officer

SAM WALLS III

Phone

5013749247

Tax Period

2024-01-01 to 2024-12-31

ARKANSAS CAPITAL RELENDING CORP, founded in 1998, is a micro nonprofit that reported $32K in total revenue in fiscal year 2018. Revenue decreased 15% compared to the prior year. Net assets of $386K represent 143 months of operating reserves.

Mission

TO EXTEND LOANS UNDER THE UNITED STATES DEPARTMENT OF AGRICULTURE INTERMEDIARY RELENDING PROGRAM.

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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 $11,009

Investment Income $0

Other Revenue $0

TOTAL REVENUE $11,009

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $2,225

Other Expenses $2,235

TOTAL EXPENSES $2,235

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,009	$5,677	+0.9%
Expenses	$2,235	$3,602	-0.4%
Net Income	$8,774	$2,075	+3.2%

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

$1,175,057

Total Directors

$548,087

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAM WALLS III	CEO	1.00	Officer Director	$0	$62,596	$514,537
CARROLL PENICK	CHAIRMAN	0.00	Officer Director	$0	$0	$2,400
BRYAN SCOGGINS	VICE CHAIRMAN	0.00	Officer Director	$0	$0	$2,500
ROBERT T TED GAMMILL	DIRECTOR	0.00	Director	$0	$0	$2,100
SHAMIM OKOLLOH	DIRECTOR	0.00	Director	$0	$0	$1,500
LORRIE TROGDEN	DIRECTOR	0.00	Director	$0	$0	$2,200
SHELLE RANDALL	DIRECTOR	0.00	Director	$0	$0	$2,100
J RUSSELL GUERRA	DIRECTOR	0.00	Director	$0	$0	$2,350
EMILY MCELROY	DIRECTOR	0.00	Director	$0	$0	$2,100
KAREN MARINE	DIRECTOR	0.00	Director	$0	$0	$2,100
MARTHA MOORE	DIRECTOR	0.00	Director	$0	$0	$2,050
VIRGIL L MILLER JR	DIRECTOR	0.00	Director	$0	$0	$2,350
KEVIN BURNS	DIRECTOR	0.00	Director	$0	$0	$2,650
DAVID SHINDLER	DIRECTOR	0.00	Director	$0	$0	$2,350
LAURA FINE	DIRECTOR	0.00	Director	$0	$0	$0
WILLIAM STAED	DIRECTOR	0.00	Director	$0	$0	$2,300
JEFF AMERINE	DIRECTOR	0.00	Director	$0	$0	$1,500
JERRY BULLARD	DIRECTOR	0.00	Director	$0	$0	$1,000
LESLIE LANE	PRESIDENT	1.00	Officer	$0	$43,575	$419,025
ANDREW SPEED	CFO (JAN-SEPT)	1.00	Officer	$0	$13,132	$115,334
SCOTT GARDNER	CFO	1.00	Officer	$0	$11,324	$121,261

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	$11,009	$2,235	$36,322	$8,774
2023	$5,677	$3,602	$64,630	$2,075
2022	$5,639	$7,858	$116,014	$-2,219
2021	$13,345	$15,340	$458,233	$-1,995
2020	$11,540	$15,451	$1,101,150	$-3,911
2019	$98,472	$20,504	$1,161,706	$77,968
2018	$32,308	$31,909	$1,111,182	$399

ARKANSAS CAPITAL RELENDING CORP