INVEST CHATTANOOGA (EIN 995081521) - 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

2024

Legal Domicile

Principal Officer

MATT BEDSOLE

Phone

4237638303

Tax Period

2025-01-01 to 2025-12-31

INVEST CHATTANOOGA, founded in 2024, is a mid-sized nonprofit in the Housing & Shelter sector that reported $20.8M in total revenue in fiscal year 2025. The organization ran a surplus of $20.5M, a strong 99% operating margin.

Mission

INVEST CHATTANOOGA USES FLEXIBLE, LOW-COST CAPITAL AND STRATEGIC PUBLIC-PRIVATE PARTNERSHIPS TO PRODUCE FINANCIALLY SUSTAINABLE, MIXED-INCOME HOUSING WITH DEEP PERMANENT AFFORDABILITY THAT THE MARKET ALONE CANNOT DELIVER.

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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 (2025)

Revenue Breakdown

Contributions & Grants $20,110,000

Program Service Revenue $0

Investment Income $667,763

Other Revenue $0

TOTAL REVENUE $20,777,763

Expense Breakdown

Grants Paid $0

Salaries & Benefits $114,326

Fundraising Expenses $0

Program Expenses $27,255

Other Expenses $153,730

TOTAL EXPENSES $268,056

Year-over-Year Comparison

	2025	2024	Change
Revenue	$20,777,763	N/A	N/A
Expenses	$268,056	N/A	N/A
Net Income	$20,509,707	N/A	N/A

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

$114,326

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SKIP SCHWARTZ	CHAIR	1.00	Officer Director	$0	$0	$0
ADAM KINSEY	VICE CHAIR	1.00	Officer Director	$0	$0	$0
NICOLE HEYMAN	DIRECTOR	1.00	Director	$0	$0	$0
MATT PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
EDNA VARNER	DIRECTOR	1.00	Director	$0	$0	$0
MATT BEDSOLE	PRESIDENT AND CEO	40.00	Officer	$93,560	$20,766	$114,326

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	$20,777,763	$268,056	$20,559,997	$20,509,707

INVEST CHATTANOOGA