Civic Intelligence

Junior Achievment of Chattanooga

EIN 62-0636297 • 501(c)3 • Chattanooga, TN

Profile

Junior Achievement empowers young people to own their economic success.

5721 Marlin Road Suite 3400Chattanooga, TN 37411-5644

n/A

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

52nd percentile

0.02x

Higher debt load relative to assets than 52% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2025

Liabilities / Revenue

52nd percentile

0.02x

Higher debt load relative to revenue than 52% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2025

Net Margin

56th percentile

7.3%

Higher net margin than 56% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Source year 2025

Top Officer Pay

55th percentile

$0

Higher top officer pay than 55% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)3 • $500k-$1M nonprofits • Source year 2025

Asset Growth

46th percentile

1.4%

Faster asset growth than 46% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Revenue Growth

19th percentile

-19%

Faster revenue growth than 19% of similar nonprofits.

501(c)3 • $500k-$1M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets52nd percentile

Assets

Up

$393,973

Up $5,609 (+1.4%) from 2024

Liabilities

Down

$7,601

Down $25,563 (-77%) from 2024

Net Assets

Up

$386,372

Up $31,172 (+8.8%) from 2024

Operations
Liabilities / Revenue52nd percentileNet Margin56th percentile

Revenue

Down

$428,948

Down $97,448 (-19%) from 2024

Expenses

Up

$397,776

Up $23,771 (+6.4%) from 2024

Net Income

Down

$31,172

Down $121,219 (-80%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth46th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$400K$300K$200K$100K$0Assets 2011: $177,190Liabilities 2011: $3,012Net Assets 2011: $174,1782011Assets 2012: $181,687Liabilities 2012: $3,391Net Assets 2012: $178,2962012Assets 2013: $241,666Liabilities 2013: $6,757Net Assets 2013: $234,9082013Assets 2014: $277,045Liabilities 2014: $9,595Net Assets 2014: $267,4512014Assets 2015: $300,340Liabilities 2015: $19,235Net Assets 2015: $281,1052015Assets 2016: $247,436Liabilities 2016: $8,353Net Assets 2016: $239,0832016Assets 2017: $246,957Liabilities 2017: $21,072Net Assets 2017: $225,8852017Assets 2018: $257,288Liabilities 2018: $15,437Net Assets 2018: $241,8512018Assets 2019: $229,671Liabilities 2019: $6,722Net Assets 2019: $222,9492019Assets 2020: $256,595Liabilities 2020: $44,964Net Assets 2020: $211,6312020Assets 2021: $199,649Liabilities 2021: $1,561Net Assets 2021: $198,0882021Assets 2022: $215,739Liabilities 2022: $1,662Net Assets 2022: $214,0772022Assets 2023: $238,983Liabilities 2023: $36,174Net Assets 2023: $202,8092023Assets 2024: $388,364Liabilities 2024: $33,164Net Assets 2024: $355,2002024Assets 2025: $393,973Liabilities 2025: $7,601Net Assets 2025: $386,3722025

Highlighted filing

2025

Assets$393,973
Liabilities$7,601
Net Assets$386,372
Open 2025 Filing

Operations Trend

Revenue Growth19th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$600K$400K$200K$0-$200KRevenue 2011: $348,965Expenses 2011: $341,205Net Income 2011: $7,7602011Revenue 2012: $373,730Expenses 2012: $369,611Net Income 2012: $4,1192012Revenue 2013: $414,576Expenses 2013: $357,964Net Income 2013: $56,6122013Revenue 2014: $430,433Expenses 2014: $397,890Net Income 2014: $32,5432014Revenue 2015: $444,755Expenses 2015: $431,101Net Income 2015: $13,6542015Revenue 2016: $360,583Expenses 2016: $402,605Net Income 2016: -$42,0222016Revenue 2017: $375,247Expenses 2017: $388,445Net Income 2017: -$13,1982017Revenue 2018: $386,974Expenses 2018: $371,008Net Income 2018: $15,9662018Revenue 2019: $383,863Expenses 2019: $402,765Net Income 2019: -$18,9022019Revenue 2020: $388,151Expenses 2020: $404,086Net Income 2020: -$15,9352020Revenue 2021: $266,955Expenses 2021: $319,177Net Income 2021: -$52,2222021Revenue 2022: $276,292Expenses 2022: $260,303Net Income 2022: $15,9892022Revenue 2023: $308,734Expenses 2023: $320,002Net Income 2023: -$11,2682023Revenue 2024: $526,396Expenses 2024: $374,005Net Income 2024: $152,3912024Revenue 2025: $428,948Expenses 2025: $397,776Net Income 2025: $31,1722025

Highlighted filing

2025

Revenue$428,948
Expenses$397,776
Net Income$31,172
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$393,973
Liabilities
$7,601
Net assets
$386,372
Revenue
$428,948
Expenses
$397,776
Net income
$31,172
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$3.94$0.08$3.86$4.29$3.98$0.31
2024Detailed filing. Detailed filing data is available for this year.$3.88$0.33$3.55$5.26$3.74$1.52
2023Detailed filing. Detailed filing data is available for this year.$2.39$0.36$2.03$3.09$3.20$0.11
2022Detailed filing. Detailed filing data is available for this year.$2.16$0.02$2.14$2.76$2.60$0.16
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.00$0.02$1.98$2.67$3.19$0.52
2020Detailed filing. Detailed filing data is available for this year.$2.57$0.45$2.12$3.88$4.04$0.16
2019Detailed filing. Detailed filing data is available for this year.$2.30$0.07$2.23$3.84$4.03$0.19
2018Detailed filing. Detailed filing data is available for this year.$2.57$0.15$2.42$3.87$3.71$0.16
2017Detailed filing. Detailed filing data is available for this year.$2.47$0.21$2.26$3.75$3.88$0.13
2016Detailed filing. Detailed filing data is available for this year.$2.47$0.08$2.39$3.61$4.03$0.42
2015Summary only. Only limited summary data is available for this year.$3.00$0.19$2.81$4.45$4.31$0.14
2014Summary only. Only limited summary data is available for this year.$2.77$0.10$2.67$4.30$3.98$0.33
2013Summary only. Only limited summary data is available for this year.$2.42$0.07$2.35$4.15$3.58$0.57
2012Summary only. Only limited summary data is available for this year.$1.82$0.03$1.78$3.74$3.70$0.04
2011Summary only. Only limited summary data is available for this year.$1.77$0.03$1.74$3.49$3.41$0.08
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Oct 28, 2025
Return Version
2024v5.2
Gross Receipts
$522,137
Mission and Program Overview

Mission

Junior Achievement empowers young people to own their economic success.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$346,911$340,240▼ $6,671
Cash and Non-Interest-Bearing Accounts$8,760$24,637▲ $15,877
Pledges and Grants Receivable$7,110$11,875▲ $4,765
Land, Buildings, and Equipment, Net-$5,649-
Inventories for Sale or Use$4,348$4,903▲ $555
Total Assets$388,364$393,973▲ $5,609
Other Assets Total$21,235$6,669▼ $14,566
Liabilities
Other Liabilities$32,358$6,777▼ $25,581
Accounts Payable and Accrued Expenses$806$824▲ $18
Total Liabilities$33,164$7,601▼ $25,563
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$346,440$371,522▲ $25,082
Net Assets With Donor Restrictions$8,760$14,850▲ $6,090
Total Net Assets Fund Balance$355,200$386,372▲ $31,172
Total Liabilities and Net Assets / Fund Balance$388,364$393,973▲ $5,609

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$5,649$31,266$36,915
Compensation and Service Providers
Top Officer Pay55th percentile

Board Members and Trustees

NameTitle
Joan RoseBoard Chair
Dr Ross Ian VanceEvent Chair - Bids for Kids
Eddie VaughnEvent Chair - Golf Tourney
James MorganEvent Chair Bowl-a-thon
Sherry BullardVice - Chair of Education
Brigette ThurmanPresident
Alex CarrollDirector
Alex MillerDirector
Alex StewartDirector
Amanda CourterDirector
Casey HammontreeDirector
Charles MillironsDirector
Dr Artnaya WesleyDirector
Elderdge HudsonDirector
Hayden SuitsDirector
Jackie CreswellDirector
Jameson AustinDirector
Jeremy DeanDirector
Joshua BerryDirector
Lee ConnellDirector
Lynn RiceDirector
Mark TurnerDirector
Marsha EasterDirector
Rhonda BeardDirector
Scott CarswellDirector
Stephen PikeDirector
Tucker McClendonDirector
Valerie LucasDirector
Gerry BassettTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$237,912
Program Service Revenue
$0
Investment Income
$1,911
Other Revenue
$189,125
All Other Contributions
$114,312
Change in Net Assets
$31,172

Audited Revenue Reconciliation

Revenue per Audited Statements
$428,948
Revenue Not Reported on Form 990
$60,380
Total Revenue per Audited Statements
$489,328
Total Revenue per Form 990
$428,948
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$238,695
Other Expenses$159,081
Total Fundraising Expense$25,103
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$84,940$5,117$12,650$102,707
Current Officers, Directors, Trustees, and Key Employees$75,480$9,435$9,435$94,350
Other Employee Benefits$26,586--$26,586
Occupancy$21,501--$21,501
Payroll Taxes$15,052--$15,052
Conferences and Meetings$14,676--$14,676
Fees for Services Accounting$9,626--$9,626
Other Expenses$8,124$7,478$2,640$8,124
Office Expenses$7,028--$7,028
All Other Expenses$6,989--$6,989
Insurance$5,271--$5,271
Travel$2,673$25$378$3,076
Depreciation Depletion$997--$997
Total Functional Expenses$350,618$22,055$25,103$397,776

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$458,156
Expenses per Audited Statements$397,776
Total Expenses per Form 990$397,776
Expenses Not Reported on Form 990$60,380
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$282,314
Fundraising Direct Expenses$93,189
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Event 1$282,314$282,314$93,189$189,125
Total Events$282,314$282,314$93,189$189,125
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Lt Lease Liability$6,777
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
Yes
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Governing body decisions Part VI line 7B

“The board of directors for Junior Achievement Chattanooga make decisions regarding the program impact and budget for each operating fiscal year as a governing body of the non-profit organization.”

Form 990 governing body review Part VI line 11

“Via e-mail to the Junior Achievement board of directors requesting any necessary changes to be made to the return.”

Conflict of interest policy compliance Part VI line 12C

“The conflict of interest policy is shared with each employee. Each employee agrees to report to the area president or area board chair, or the Junior Achievement USA senior vice president, human resources, as appropriate any situation that may develop before completion of their next annual declaration.”

CEO executive director top management comp Part VI line 15A

“The non-profit president and staff are evaluated on year-end performance from the prior fiscal year. Junior Achievement USA provides the quip-comp salary ranges for each position and the compensation committee decides the salary of the president based on the overall accomplishment/impact of the organization as well as the financial viability.”

Other officer or key employee compensation Part VI line 15B

“The non-profit president and staff are evaluated on year-end performance from the prior fiscal year. Junior Achievement USA provides the quip-comp salary ranges for each position and the compensation committee decides the salary of the president based on the overall accomplishment/impact of the organisation as well as the financial viability.”

Governing documents etc available to public Part VI line 19

“The minutes from each board meeting are e-mailed to each board member as well as Junior Achievement USA and are available for any constituent/donor to view at the Junior Achievement of Chattanooga, Inc. office. The financial statements are presented and approved at each board meeting and are available for any constituent/donor to view at the Junior Achievement of Chattanooga, Inc. office. The conlict of interest policy is shared with each employee.”

Filing and Contact Details

Filer

Filer Name
Junior Achievment of Chattanooga
EIN
62-0636297
In Care Of
% Brigette Thurman
Phone
4238924488
Address
5721 Marlin Road Suite 3400, Chattanooga, TN 37411-5644

Signing Officer

Name
Brigette Thurman
Title
President
Phone
4238924488
Signed
2025-10-28
Discuss with paid preparer
No

Organization Details

Formed
1960
Legal Domicile
Tn
Voting Board Members
29
Independent Board Members
29
Employees
4

Preparer

Firm
Jon Wilkey CPA
Address
3475 Brainerd Rd, Chattanooga, TN 37411
Preparer
Jon Wilkey
Phone
4236220636
Supplemental Narrative

Financial Statement Notes

Part XI, Line 2D-Other revenue included on Sch D but not on 990

“Fundraising expenses of $ 60,380 is subtracted from total revenues per form 990 as opposed to being included in the expense section of form 990.”

Part XII, Line 2D-Other expenses included on Sch D but not on 990

“Fundraising expenses of $ 60,380 is not included in the expenses section of form 990 but subtracted from Fundraising income in the income section of form 990.”

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IRS990/Desc0Junior Achievement volunteer-driven K-12 programs foster work-readiness, entrepreneurship, and financial literacy skills, and use experiential learning to inspire kids to dream big and reach their potential. Junior Achievement of Chattanooga awards four (4) college scholarships to seniors who have participated in a Junior Achievement program during high school and exhibit potential for future success.
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IRS990/Form990PartVIISectionAGrp/PersonNm13Lee Connell
IRS990/Form990PartVIISectionAGrp/PersonNm14Dr Ross Ian Vance
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