SOUTHERN MUTUAL HELP ASSOCIATION INC (EIN 720696092) - Form 990 Financial Analysis & Trantor Score

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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

1969

Legal Domicile

Principal Officer

LORNA BOURG

Phone

3373673277

Tax Period

2025-01-01 to 2025-12-31

SOUTHERN MUTUAL HELP ASSOCIATION INC, founded in 1969, is a micro nonprofit in the Community Improvement sector that reported $1.6M in total revenue in fiscal year 2025. Revenue fell 789% from the prior year — a significant decline worth monitoring.

Mission

Southern Mutual Help Association, Inc.s mission is to build strong, healthy and prosperous rural communities, with a special emphasis on women, low-income families and people of color.

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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 (2025)

Revenue Breakdown

Contributions & Grants $2,101,052

Program Service Revenue $2,004,000

Investment Income $125

Other Revenue $-5,681,357

TOTAL REVENUE $-1,576,180

Expense Breakdown

Grants Paid $0

Salaries & Benefits $332,225

Fundraising Expenses $14,294

Program Expenses $341,390

Other Expenses $181,875

TOTAL EXPENSES $514,100

Year-over-Year Comparison

	2025	2024	Change
Revenue	$-1,576,180	$228,732	-7.9%
Expenses	$514,100	$621,140	-0.2%
Net Income	$-2,090,280	$-392,408	+4.3%

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

$265,327

Total Directors

$265,327

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LORNA BOURG	President	40.00	Officer Director	$258,855	$6,472	$265,327
JUANITA MAINSTER	BOARD MEMBER	1.00	Director	$0	$0	$0
ASHLEY SHELTON	BOARD MEMBER	2.00	Director	$0	$0	$0
ROBERTA MADDEN	BOARD MEMBER	4.00	Director	$0	$0	$0
JUDITH V HERRING	Secretary	4.00	Officer Director	$0	$0	$0
SENATOR FRED MILLS	Chairman	4.00	Director	$0	$0	$0
MARTHA MOORE	Treasurer	6.00	Officer	$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	$-1,576,180	$514,100	$236,124	$-2,090,280
2024	$228,732	$621,140	$6,097,271	$-392,408
2023	$471,290	$1,074,480	$6,146,203	$-603,190
2022	$814,351	$1,312,157	$7,009,410	$-497,806
2021	$898,903	$1,148,628	$8,015,178	$-249,725
2020	$1,117,837	$1,177,640	$8,410,789	$-59,803
2019	$1,430,867	$2,196,691	$9,139,727	$-765,824
2018	$1,269,588	$2,185,424	$10,055,385	$-915,836

SOUTHERN MUTUAL HELP ASSOCIATION INC