Civic Intelligence

Chattanooga Neighborhood Enterprise Inc

EIN 62-1300726 • 501(c)3 • Chattanooga, TN

View Organization Page

Profile

To preserve, rehabilitate, and prevent deterioration of rental units and single-family dwellings; to encourage home ownership and rehabilitation through below-market loans; to develop a training program for in-home maintenance and repair; (continued at schedule o) to promote neighborhood beautification and self-improvement projects; to promote neigborhood revitalization; and to promote the enforcement of uniform building codes and eliminate all substandard housing in the city of chattanooga and hamilton county, tennessee.

1500 Chestnut Street Suite 102Chattanooga, TN 37408

www.cneinc.org

Siviq Scores

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

Liabilities / Assets

75th percentile

0.53x

Higher debt load relative to assets than 75% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Liabilities / Revenue

89th percentile

2.55x

Higher debt load relative to revenue than 89% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Net Margin

70th percentile

15%

Higher net margin than 70% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Top Officer Pay

31st percentile

$193,842

Higher top officer pay than 31% of similar nonprofits.

Top officer pay equals 2.9% of source-year revenue.

501(c)3 • $25M-$50M nonprofits • Source year 2024

Asset Growth

67th percentile

10%

Faster asset growth than 67% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Revenue Growth

84th percentile

41%

Faster revenue growth than 84% of similar nonprofits.

501(c)3 • $25M-$50M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets75th percentile

Assets

Up

$32,083,031

Up $3,035,033 (+10%) from 2023

Liabilities

Up

$17,025,691

Up $2,006,112 (+13%) from 2023

Net Assets

Up

$15,057,340

Up $1,028,921 (+7.3%) from 2023

Operations
Liabilities / Revenue89th percentileNet Margin70th percentile

Revenue

Up

$6,685,931

Up $1,960,201 (+41%) from 2023

Expenses

Up

$5,657,010

Up $1,810,063 (+47%) from 2023

Net Income

Up

$1,028,921

Up $150,138 (+17%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth67th percentile

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

$40M$30M$20M$10M$0Assets 2010: $13,639,977Liabilities 2010: $7,006,168Net Assets 2010: $6,633,8092010Assets 2011: $11,818,313Liabilities 2011: $4,959,529Net Assets 2011: $6,858,7842011Assets 2012: $9,825,148Liabilities 2012: $4,793,340Net Assets 2012: $5,031,8082012Assets 2013: $8,672,519Liabilities 2013: $5,551,945Net Assets 2013: $3,120,5742013Assets 2014: $8,080,548Liabilities 2014: $4,579,521Net Assets 2014: $3,501,0272014Assets 2015: $6,653,419Liabilities 2015: $2,932,874Net Assets 2015: $3,720,5452015Assets 2016: $7,622,509Liabilities 2016: $2,881,353Net Assets 2016: $4,741,1562016Assets 2017: $11,748,495Liabilities 2017: $5,724,474Net Assets 2017: $6,024,0212017Assets 2018: $12,264,863Liabilities 2018: $5,906,412Net Assets 2018: $6,358,4512018Assets 2019: $15,713,195Liabilities 2019: $6,698,603Net Assets 2019: $9,014,5922019Assets 2020: $19,956,144Liabilities 2020: $10,447,680Net Assets 2020: $9,508,4642020Assets 2021: $22,805,649Liabilities 2021: $12,330,068Net Assets 2021: $10,475,5812021Assets 2022: $25,801,135Liabilities 2022: $12,651,499Net Assets 2022: $13,149,6362022Assets 2023: $29,047,998Liabilities 2023: $15,019,579Net Assets 2023: $14,028,4192023Assets 2024: $32,083,031Liabilities 2024: $17,025,691Net Assets 2024: $15,057,3402024

Highlighted filing

2024

Assets$32,083,031
Liabilities$17,025,691
Net Assets$15,057,340
Open 2024 Filing

Operations Trend

Revenue Growth84th percentile

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

$8.0M$6.0M$4.0M$2.0M$0Expenses 2010: $3,457,3072010Expenses 2011: $6,924,1602011Expenses 2012: $6,609,9532012Expenses 2013: $6,385,6672013Revenue 2014: $3,912,459Expenses 2014: $3,532,006Net Income 2014: $380,4532014Revenue 2015: $3,453,063Expenses 2015: $3,233,545Net Income 2015: $219,5182015Revenue 2016: $2,946,638Expenses 2016: $1,926,027Net Income 2016: $1,020,6112016Revenue 2017: $2,844,683Expenses 2017: $2,109,018Net Income 2017: $735,6652017Revenue 2018: $2,610,028Expenses 2018: $2,275,598Net Income 2018: $334,4302018Revenue 2019: $3,508,827Expenses 2019: $2,640,722Net Income 2019: $868,1052019Revenue 2020: $3,766,874Expenses 2020: $3,273,002Net Income 2020: $493,8722020Revenue 2021: $5,214,534Expenses 2021: $4,247,417Net Income 2021: $967,1172021Revenue 2022: $4,089,367Expenses 2022: $3,579,071Net Income 2022: $510,2962022Revenue 2023: $4,725,730Expenses 2023: $3,846,947Net Income 2023: $878,7832023Revenue 2024: $6,685,931Expenses 2024: $5,657,010Net Income 2024: $1,028,9212024

Highlighted filing

2024

Revenue$6,685,931
Expenses$5,657,010
Net Income$1,028,921
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$32,083,031
Liabilities
$17,025,691
Net assets
$15,057,340
Revenue
$6,685,931
Expenses
$5,657,010
Net income
$1,028,921
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$32.1$17.0$15.1$6.69$5.66$1.03
2023Detailed filing. Detailed filing data is available for this year.$29.0$15.0$14.0$4.73$3.85$0.88
2022Detailed filing. Detailed filing data is available for this year.$25.8$12.7$13.1$4.09$3.58$0.51
2021Detailed filing. Detailed filing data is available for this year.$22.8$12.3$10.5$5.21$4.25$0.97
2020Detailed filing. Detailed filing data is available for this year.$20.0$10.4$9.51$3.77$3.27$0.49
2019Detailed filing. Detailed filing data is available for this year.$15.7$6.70$9.01$3.51$2.64$0.87
2018Detailed filing. Detailed filing data is available for this year.$12.3$5.91$6.36$2.61$2.28$0.33
2017Detailed filing. Detailed filing data is available for this year.$11.7$5.72$6.02$2.84$2.11$0.74
2016Detailed filing. Detailed filing data is available for this year.$7.62$2.88$4.74$2.95$1.93$1.02
2015Detailed filing. Detailed filing data is available for this year.$6.65$2.93$3.72$3.45$3.23$0.22
2014Detailed filing. Detailed filing data is available for this year.$8.08$4.58$3.50$3.91$3.53$0.38
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.67$5.55$3.12$6.39
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$9.83$4.79$5.03$6.61
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$11.8$4.96$6.86$6.92
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$13.6$7.01$6.63$3.46
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 15, 2025
Return Version
2023v6.0
Gross Receipts
$6,685,931
Mission and Program Overview

Mission

To preserve, rehabilitate,and prevent deterioration of rental units and single-family dwellings; to encourage home ownership and rehabilitation through below-market loans; to develop a training program for in-home maintenance and repair; to promote neighborhood beautification and self-improvement projects; to promote neighborhood revitalization; and to promote the enforcement of uniform building codes and eliminate all substandard housing in the city of chattanooga and hamilton county, tennessee.

Encourage home ownership & rehabilitation by issuing below-market rate loans, constructing new housing units and rehabilitating existing units .

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$13,822,370$18,675,587▲ $4,853,217
Cash and Non-Interest-Bearing Accounts$4,730,479$3,616,929▼ $1,113,550
Other Notes and Loans Receivable, Net$2,024,731$3,155,378▲ $1,130,647
Savings and Temporary Cash Investments$1,624,743$2,477,918▲ $853,175
Pledges and Grants Receivable$73,814$286,239▲ $212,425
Prepaid Expenses and Deferred Charges$105,551$104,923▼ $628
Accounts Receivable$96,602$26,131▼ $70,471
Total Assets$29,047,998$32,083,031▲ $3,035,033
Other Assets Total$6,569,708$3,739,926▼ $2,829,782
Liabilities
Other Liabilities$13,825,705$15,387,352▲ $1,561,647
Accounts Payable and Accrued Expenses$777,624$1,225,886▲ $448,262
Deferred Revenue$215,275$213,675▼ $1,600
Escrow Account Liability$200,975$198,778▼ $2,197
Total Liabilities$15,019,579$17,025,691▲ $2,006,112
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$11,191,965$11,119,512▼ $72,453
Net Assets With Donor Restrictions$2,836,454$3,937,828▲ $1,101,374
Total Net Assets Fund Balance$14,028,419$15,057,340▲ $1,028,921
Total Liabilities and Net Assets / Fund Balance$29,047,998$32,083,031▲ $3,035,033

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$16,810,746$2,911,128-
Land$1,857,034--
Equipment$7,807$77,065-
Other Assets Org$271,977--
Compensation and Service Providers
Top Officer Pay31st percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Martina GuilfoilExecutive DirectorFT$172,018$21,824$193,842
Darla BlandChief Financial OfficerFT$121,179$17,266$138,445

Board Members and Trustees

NameTitle
Andrea HardawayChair
Matt LyleVice Chair
Andy LefflerDirector
Frank HughesDirector
Gene ShilesDirector
Jason SteeleDirector
Jenny HillDirector
John CrawfordDirector
Mary Ann SchenkDirector
Tamekia BrewerDirector
Td ScottDirector
Maria NoelSecretary
Jerry LeeTreasurer

Highest Paid Contractors

ContractorServicesLocationCompensation
Rlp Construction LLCConstructionPOBOX 11461, Chattanooga, TN 37401$1,972,936
Kronberg Wall Architects LLCArchitectural Design887 WYLIE ST SE, Atlanta, GA 30316$244,545
-ConstructionPO BOX 3215, Chattanooga, TN 37404$106,518
-Real Estate Development1007 E MLK BLVD, Chattanooga, TN 37403$101,719
Revenue and Support

Revenue Composition

Contributions and Grants
$4,190,388
Program Service Revenue
$2,495,543
Investment Income
$0
Other Revenue
$0
All Other Contributions
$2,863,760
Change in Net Assets
$1,028,921
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$3,013,754
Salaries, Compensation, and Employee Benefits$1,741,422
Grants and Similar Amounts Paid$901,834
Total Fundraising Expense$85,894
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$1,321,216$43,162$38,612$1,402,990
Grants to Domestic Individuals$901,834--$901,834
Depreciation Depletion$527,859$164,583$470$692,912
Interest$29,666$518,361$11$548,038
Fees for Services Other$193,477$197,773$4,951$396,201
Current Officers, Directors, Trustees, and Key Employees$318,706$10,411$9,315$338,432
Insurance$51,561$117,522$2,959$172,042
Occupancy$78,483$82,543$7,132$168,158
Advertising$89,028$22,936$6,031$117,995
All Other Expenses$86,115$8,959$13,048$108,122
Fees for Services Legal$63,627--$63,627
Information Technology$56,815$1,833$1,640$60,288
Other Expenses$56,847$487$437$57,771
Fees for Services Accounting-$35,300-$35,300
Travel$20,753$220$195$21,168
Office Expenses$15,658$1,204$1,078$17,940
Total Functional Expenses$3,879,855$1,691,261$85,894$5,657,010
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
Lobbying activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Notes Payable - Other$15,155,830
Right-of-use Lease Liability$231,522
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“A draft version of the form 990 is reviewed by the organization's cfo prior to filing. The final draft version is distributed to both the finance committee and the board for final appoval.”

Form 990, Part VI, Section B, Line 12C

“The organization regularly and consistently monitors and enforces compliance with the conflict of interest policy through annual review and regular communication with the board of directors.”

Form 990, Part VI, Section B, Line 15

“At the beginning of each year, goals and outcomes are submitted to the board of directors for approval. At the end of the year, a third party performs an analysis to determine if the goals and outcomes for the year were met. The results from the third party analysis are submitted to the board of directors for review. If the specified goal or outcome has been achieved, compensation is made.”

Form 990, Part VI, Section C, Line 19

“The organization makes its governing documents, conflict of interest policy, and financial statements available to the public through the following third party website: http://www.dnb.com/us/. In addition, copies of the financial statements are provided to key investors, contributors, and partners annually.”

Filing and Contact Details

Filer

Filer Name
Chattanooga Neighborhood Enterprise Inc
EIN
62-1300726
Phone
4237566201
Address
1500 CHESTNUT STREET SUITE 102, CHATTANOOGA, TN 37408

Signing Officer

Name
Darla Bland
Title
CFO
Phone
4237566206
Signed
2025-05-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Martina Guilfoil
Formed
1986
Legal Domicile
Tn
Voting Board Members
13
Independent Board Members
13
Employees
29
Volunteers
134

Preparer

Firm
Mauldin & Jenkins LLC
Address
200 W MLK BLVD STE 1100, CHATTANOOGA, TN 37402-1239
Preparer
Heather Batson
Phone
4237566133
Supplemental Narrative

Financial Statement Notes

PART IV, LINE 2B:

“The organization holds escrow deposits for payment of taxes and insurance on mortgage loans received by the organization. The organization also holds security deposits for rental tenants. All escrow and security deposit funds are maintained in designated accounts and seperated from operating funds.”

PART X, LINE 2:

“The organization accounts for income taxes in accordance with income tax accounting guidance in asc topic 740. The organization recognizes deferred tax assets if it is more likely than not, based on the technical merits, that the tax position will be realized or sustained upon examination. The organization follows the statutory requirements for its income tax accounting and generally avoids risks associated with potentially problematic tax positions that may be challenged upon examination. Management believes any liability resulting from taxing authorities imposing additional income taxes from activites deemed to be unrelated to the organization's non-taxable status would not have a material effect on the organization's consolidated financial statements. With few exceptions, the organization is no longer subject to tax examinations by authorities for years before 2020.”

Raw XML AppendixShowing 400 of 672 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/PersonNm3MARIA NOEL
IRS990/Form990PartVIISectionAGrp/PersonNm4TAMEKIA BREWER
IRS990/Form990PartVIISectionAGrp/PersonNm5JOHN CRAWFORD
IRS990/Form990PartVIISectionAGrp/PersonNm6JENNY HILL
IRS990/Form990PartVIISectionAGrp/PersonNm7FRANK HUGHES
IRS990/Form990PartVIISectionAGrp/PersonNm8ANDY LEFFLER
IRS990/Form990PartVIISectionAGrp/PersonNm9MARY ANN SCHENK
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IRS990/Form990PartVIISectionAGrp/TitleTxt14CHIEF FINANCIAL OFFICER
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IRS990/MissionDesc0TO PRESERVE, REHABILITATE, AND PREVENT DETERIORATION OF RENTAL UNITS AND SINGLE-FAMILY DWELLINGS; TO ENCOURAGE HOME OWNERSHIP AND REHABILITATION THROUGH BELOW-MARKET LOANS; TO DEVELOP A TRAINING PROGRAM FOR IN-HOME MAINTENANCE AND REPAIR; (CONTINUED AT SCHEDULE O) TO PROMOTE NEIGHBORHOOD BEAUTIFICATION AND SELF-IMPROVEMENT PROJECTS; TO PROMOTE NEIGBORHOOD REVITALIZATION; AND TO PROMOTE THE ENFORCEMENT OF UNIFORM BUILDING CODES AND ELIMINATE ALL SUBSTANDARD HOUSING IN THE CITY OF CHATTANOOGA AND HAMILTON COUNTY, TENNESSEE.
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