Love Chatham (EIN 861481922) - 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

2021

Legal Domicile

Principal Officer

Ben Suggs

Phone

9197269976

Tax Period

2025-01-01 to 2025-12-31

Love Chatham, founded in 2021, is a small nonprofit in the Human Services sector that reported $234K in total revenue in fiscal year 2025. Revenue decreased 11% compared to the prior year. Expenses of $281K exceeded revenue, resulting in a 20% operating deficit.

Mission

Love Chatham is a 501(c)3 non-profit organization established to help with homelessness in the Chatham County area. It will be a common banner under which the churches, individuals, and businesses can work together, specifically to centralize the many talents and resources available and put them into action to alleviate homelessness and other needs. Our first focus will be homelessness, but we hope to continue the work of charity and healing in the future by joining, connecting with, or establishing help for hunger, clothing, healthcare, financial planning, and spiritual counseling.

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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 $234,191

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $234,191

Expense Breakdown

Grants Paid $0

Salaries & Benefits $92,624

Fundraising Expenses $0

Program Expenses $263,542

Other Expenses $188,195

TOTAL EXPENSES $280,819

Year-over-Year Comparison

	2025	2024	Change
Revenue	$234,191	$262,126	-0.1%
Expenses	$280,819	$205,886	+0.4%
Net Income	$-46,628	$56,240	-1.8%

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

$46,042

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Dakota Philbrick	Executive Dir.	40.00	Officer	$46,042	$0	$46,042
Ben Suggs	President	10.00	Officer Director	$0	$0	$0
Tom Roswick	Treasurer	10.00	Officer Director	$0	$0	$0
Sandee Davis	Director	10.00	Director	$0	$0	$0
Donald Southern	Director	10.00	Director	$0	$0	$0
Edie Neeves	Director	10.00	Director	$0	$0	$0
Elgin Marsh	Director	10.00	Director	$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	$234,191	$280,819	$309,550	$-46,628
2024	No data	No data	No data	No data
2023	$258,776	$176,576	$319,932	$82,200

Love Chatham