PEARL STREET COMMUNITY DEVELOPMENT (EIN 752982650) - 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

2002

Legal Domicile

Phone

6013526087

Tax Period

2025-01-01 to 2025-12-31

PEARL STREET COMMUNITY DEVELOPMENT, founded in 2002, is a small nonprofit in the Human Services sector that reported $157K in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year. Net assets of $1.9M represent 142 months of operating reserves.

Mission

THE MISSION IS TO IMPROVE THE QUALITY OF LIFE FOR THE ECONOMICALLY DEPRIVED METRO JACKSON COMMUNITY, PROVIDE EDUCATIONAL OPPORTUNITIES, AND ADVANCE ECONOMIC DEVELOPMENT BY MEETING THE SOCIAL NEEDS OF DISADVANTAGED FAMILIES, YOUTH, AND SENIOR CITIZENS.

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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 $105,887

Program Service Revenue $50,946

Investment Income $0

Other Revenue $611

TOTAL REVENUE $157,444

Expense Breakdown

Grants Paid $0

Salaries & Benefits $75,480

Fundraising Expenses $0

Program Expenses $152,283

Other Expenses $91,695

TOTAL EXPENSES $167,175

Year-over-Year Comparison

	2025	2024	Change
Revenue	$157,444	$174,338	-0.1%
Expenses	$167,175	$172,608	0.0%
Net Income	$-9,731	$1,730	-6.6%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAMUEL BOYD	CHIEF EXECUTIVE OFFICER	2.00	Officer	$0	$0	$0
CHARLES JONES	1ST VICE PRESIDENT	1.00	Officer	$0	$0	$0
MICHAEL GATES	2ND VICE PRESIDENT	1.00	Officer	$0	$0	$0
HAZEL GAINES	SECRETARY	1.00	Officer	$0	$0	$0
LURE BERRY	TREASURER	2.00	Officer	$0	$0	$0
FELIECE COLEMAN	MEMBER	1.00	Officer	$0	$0	$0
GEORGIANNA BROOKS	MEMBER	1.00	Officer	$0	$0	$0
MILTON CHAMBLISS	MEMBER	1.00	Officer	$0	$0	$0
MALONE HUGHES	MEMBER	1.00	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	$157,444	$167,175	$1,862,993	$-9,731
2024	$174,338	$172,608	$4,528,616	$1,730
2023	$143,870	$172,050	$523,580	$-28,180
2022	$837,639	$743,934	$1,217,349	$93,705
2021	$134,697	$100,145	$572,854	$34,552
2020	$64,586	$28,380	$538,302	$36,206

PEARL STREET COMMUNITY DEVELOPMENT