FORWARD MEMPHIS

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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

2022

Legal Domicile

Phone

9012908035

Tax Period

2025-01-01 to 2025-12-31

FORWARD MEMPHIS, founded in 2022, is a small nonprofit in the Community Improvement sector that reported $586K in total revenue in fiscal year 2025. Expenses of $505K left a modest 14% surplus.

Mission

Forward Memphis provides responsible lending opportunities and financial empowerment resources to underserved individuals and families in the Memphis community in order to reduce reliance on predatory lending practices and promoting long-term financial stability.

Program Service Accomplishments

Program 1

Expenses: $285,819

Provided access to responsible small-dollar loans and financial assistance programs for underserved individuals and families in the Memphis community who may otherwise rely on high-interest or...

Provided access to responsible small-dollar loans and financial assistance programs for underserved individuals and families in the Memphis community who may otherwise rely on high-interest or predatory lending sources. The organization worked to improve financial stability by offering affordable lending alternatives, financial guidance, and support services designed to help clients address emergency expenses, avoid excessive debt burdens, and build healthier financial outcomes. Services supported community members facing housing, transportation, utility, and other essential living expense challenges.

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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 $455,790

Program Service Revenue $117,660

Investment Income $12,697

Other Revenue $0

TOTAL REVENUE $586,147

Expense Breakdown

Grants Paid $9,577

Salaries & Benefits $352,895

Fundraising Expenses $77,892

Program Expenses $285,819

Other Expenses $142,130

TOTAL EXPENSES $504,602

Year-over-Year Comparison

	2025	2024	Change
Revenue	$586,147	$615,326	0.0%
Expenses	$504,602	$430,384	+0.2%
Net Income	$81,545	$184,942	-0.6%

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

Employees

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

Total Directors

$131,192

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRAVIS MOODY	EXECUTIVE DIRECTOR-CEO	40.00	Director Highest	$131,192	$0	$131,192
EPHIE JOHNSON	CHAIRPERSON	1.50	Officer Director	$0	$0	$0
STEPHANIE JONES	BOARD MEMBER	1.50	Director	$0	$0	$0
DARIN JOHNSON	BOARD MEMBER	1.50	Director	$0	$0	$0
DAVID LENOIR	BOARD MEMBER	1.50	Director	$0	$0	$0
STEVEN BROWN	BOARD TREASURER	1.50	Officer Director	$0	$0	$0
ERIN BLEDSOE	BOARD SECRETARY	1.50	Officer Director	$0	$0	$0
EVAN COLLINS	BOARD MEMBER	1.50	Director	$0	$0	$0
JERRY CORLESS	BOARD MEMBER	1.50	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	$586,147	$504,602	$542,221	$81,545
2024	$615,326	$430,384	$464,303	$184,942
2023	$611,937	$363,844	$276,031	$248,093