Civic Intelligence

Turnaround Community Lending Inc

990EZ • Fiscal year 2024 • EIN 85-1179071

Jan 01, 2024 to Dec 31, 2024 • Filed on Aug 14, 2025

Organization ProfileN/A
PO Box 212Rutledge, TN 37861

(865) 828-5927

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

95th percentile

1.07x

Higher debt load relative to assets than 95% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

98th percentile

3.40x

Higher debt load relative to revenue than 98% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Net Margin

24th percentile

-13%

Higher net margin than 24% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Top Officer Pay

79th percentile

$0

Higher top officer pay than 79% of similar nonprofits.

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

2024 filings • 501(c)3 • <$500k nonprofits • Source year 2024

Asset Growth

83rd percentile

44%

Faster asset growth than 83% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

7th percentile

-64%

Faster revenue growth than 7% of similar nonprofits.

2024 filings • 501(c)3 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets95th percentile

Assets

Up

$103,775

Up $31,678 (+44%) from 2023

Net Assets

Down

-$6,776

Down $4,091 (-152%) from 2023

Liabilities

Up

$110,551

Up $35,769 (+48%) from 2023

Revenue And Expenses
Liabilities / Revenue98th percentileNet Margin24th percentile

Revenue

Down

$32,471

Down $58,893 (-64%) from 2023

Expenses

Down

$36,562

Down $89,504 (-71%) from 2023

Net Income

Up

-$4,091

Up $30,611 (+88%) from 2023

Historical Trend

Balance Sheet Trend

Asset Growth83rd percentile

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$200K$150K$100K$50K$0-$50KAssets 2020: $17,534Liabilities 2020: $17,854Net Assets 2020: -$3202020Assets 2021: $159,689Liabilities 2021: $43,340Net Assets 2021: $116,3492021Assets 2022: $126,245Liabilities 2022: $94,228Net Assets 2022: $32,0172022Assets 2023: $72,097Liabilities 2023: $74,782Net Assets 2023: -$2,6852023Assets 2024: $103,775Liabilities 2024: $110,551Net Assets 2024: -$6,7762024

Highlighted filing

2024

Assets$103,775
Liabilities$110,551
Net Assets-$6,776
Open 2024 Filing

Operations Trend

Revenue Growth7th percentile

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$200K$100K$0-$100KRevenue 2020: $180Expenses 2020: $500Net Income 2020: -$3202020Revenue 2021: $127,375Expenses 2021: $10,706Net Income 2021: $116,6692021Revenue 2022: $24,757Expenses 2022: $109,089Net Income 2022: -$84,3322022Revenue 2023: $91,364Expenses 2023: $126,066Net Income 2023: -$34,7022023Revenue 2024: $32,471Expenses 2024: $36,562Net Income 2024: -$4,0912024

Highlighted filing

2024

Revenue$32,471
Expenses$36,562
Net Income-$4,091
Open 2024 Filing
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 14, 2025
Return Version
2024v5.2
Gross Receipts
$32,471
Mission and Program Overview

Mission

Promote and create economic and community development opportunities for underserved low to moderate income individuals and families and communities of need.

To promote and create economic and community development opportunities for underserved low to moderate income individuals and families and communities of need.

Program Services

DescriptionGrantsExpenses
Promote and create economic and community development opportunities for underserved low to moderate incomeindividuals and families and communities of need.$0$31,624
Compensation and Service Providers
Top Officer Pay79th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Cody BrownChairmanPT$0--
Jairo VazquezVice ChairmanPT$0--
Cherry AcuffSecretary/TreasurerPT$0--
Bo BlankenBoard Member-$0--
Filing and Contact Details

Filer

Filer Name
Turnaround Community Lending Inc
EIN
85-1179071
Phone
8658285927
Address
PO Box 212, Rutledge, TN 37861

Signing Officer

Name
Cody Brown
Title
Chairman
Phone
8658285927
Signed
2025-08-14
Discuss with paid preparer
Yes

Preparer

Firm
Sara H Knight CPA
Address
5231 Tropicana Drive, Knoxville, TN 37918
Preparer
Sara H Knight CPA
Phone
8657896187
Supplemental Narrative

Additional Explanations

Form 990EZ, Part I, Line 8

“Change in reserve for bad debt 0.”

Form 990EZ, Part I, Line 16

“Licenses and fees 20.”

Form 990EZ, Part I, Line 16

“Reserve for bad debt 93.”

Form 990EZ, Part I, Line 16

“Meetings & conferences 0.”

Form 990EZ, Part I, Line 16

“Supplies 38.”

Form 990EZ, Part I, Line 16

“Interest 455.”

Form 990EZ, Part I, Line 16

“Insurance 4871.”

Form 990EZ, Part I, Line 16

“Travel 0.”

Form 990EZ, Part II, Line 24

“Loans receivable 22863. 24725.”

Form 990EZ, Part II, Line 24

“Grants receivable 0. 30000.”

Form 990EZ, Part II, Line 26

“Loan loss reserve 1143. 1236.”

Form 990EZ, Part II, Line 26

“Loan payable 43639. 49315.”

Form 990EZ, Part II, Line 26

“Accounts payable 30000. 60000.”

Raw XML Appendix196 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.

Path#Value
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IRS990EZ/BooksInCareOfDetail/PersonNm0Laura Soprano
IRS990EZ/BooksInCareOfDetail/PhoneNum08658285927
IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt0PO Box 212
IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0Rutledge
IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd0TN
IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd037861
IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt049234
IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt049050
IRS990EZ/ChgMadeToOrgnzngDocNotRptInd0false
IRS990EZ/ContributionsGiftsGrantsEtcAmt030000
IRS990EZ/CostOfGoodsSoldAmt00
IRS990EZ/CostOrOtherBasisExpenseSaleAmt00
IRS990EZ/DonorAdvisedFndsInd0false
IRS990EZ/EngagedInExcessBenefitTransInd0false
IRS990EZ/ExcessOrDeficitForYearAmt0-4091
IRS990EZ/FeesAndOtherPymtToIndCntrctAmt030000
IRS990EZ/FiledScheduleAInd0true
IRS990EZ/ForeignFinancialAccountInd0false
IRS990EZ/ForeignOfficeInd0false
IRS990EZ/Form1120PolFiledInd0false
IRS990EZ/Form990TotalAssetsGrp/BOYAmt072097
IRS990EZ/Form990TotalAssetsGrp/EOYAmt0103775
IRS990EZ/FundraisingGrossIncomeAmt00
IRS990EZ/GainOrLossFromSaleOfAssetsAmt00
IRS990EZ/GrossProfitLossSlsOfInvntryAmt00
IRS990EZ/GrossReceiptsAmt032471
IRS990EZ/GrossReceiptsForPublicUseAmt00
IRS990EZ/InfoInScheduleOPartIIInd0X
IRS990EZ/InfoInScheduleOPartIInd0X
IRS990EZ/InitiationFeesAndCapContriAmt00
IRS990EZ/InvestmentIncomeAmt02452
IRS990EZ/LobbyingActivitiesInd0false
IRS990EZ/MadeLoansToFromOfficersInd0false
IRS990EZ/MembershipDuesAmt00
IRS990EZ/MethodOfAccountingAccrualInd0X
IRS990EZ/NetAssetsOrFundBalancesBOYAmt0-2685
IRS990EZ/NetAssetsOrFundBalancesEOYAmt0-6776
IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt0-2685
IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt0-6776
IRS990EZ/OccupancyRentUtltsAndMaintAmt01000
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt05.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt15.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt25.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt33.00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt00
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt10
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt20
IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt30
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0Cody Brown
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm1Jairo Vazquez
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2Cherry Acuff
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm3Bo Blanken
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt0Chairman
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt1Vice Chairman
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt2Secretary/Treasurer
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3Board member
IRS990EZ/OperateHospitalInd0false
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd0false
IRS990EZ/OrganizationHadUBIInd0false
IRS990EZ/OtherAssetsTotalDetail/BOYAmt022863
IRS990EZ/OtherAssetsTotalDetail/EOYAmt054725
IRS990EZ/OtherExpensesTotalAmt05477
IRS990EZ/OtherRevenueTotalAmt00
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd0false
IRS990EZ/PrimaryExemptPurposeTxt0To promote and create economic and community development opportunities for underserved low to moderate income individuals and families and communities of need.
IRS990EZ/PrintingPublicationsPostageAmt085
IRS990EZ/ProgramServiceRevenueAmt019
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0Promote and create economic and community development opportunities for underserved low to moderate incomeindividuals and families and communities of need.
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt031624
IRS990EZ/ProhibitedTaxShelterTransInd0false
IRS990EZ/RelatedOrganizationCtrlEntInd0false
IRS990EZ/SchoolOperatingInd0false
IRS990EZ/SpecialEventsDirectExpensesAmt00
IRS990EZ/SpecialEventsNetIncomeLossAmt00
IRS990EZ/SubjectToProxyTaxInd0false
IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt074782
IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt0110551
IRS990EZ/TanningServicesProvidedInd0false
IRS990EZ/TotalExpensesAmt036562
IRS990EZ/TotalProgramServiceExpensesAmt031624
IRS990EZ/TotalRevenueAmt032471
IRS990EZ/TransactionWithControlEntInd0false
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd0false
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0N/A
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearAmt030000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus1YearAmt089000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus2YearsAmt022500
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus3YearsAmt0125000
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/GiftsGrantsContriRcvd170Grp/TotalAmt0266500
IRS990ScheduleA/GovtFurnSrvcFcltsVl170Grp/TotalAmt00
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearAmt02452
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus1YearAmt02339
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus2YearsAmt02117
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus3YearsAmt02375
IRS990ScheduleA/GrossInvestmentIncome170Grp/CurrentTaxYearMinus4YearsAmt0180
IRS990ScheduleA/GrossInvestmentIncome170Grp/TotalAmt09463
IRS990ScheduleA/GrossReceiptsRltdActivitiesAmt055
IRS990ScheduleA/InvestmentIncomeCYPct00
IRS990ScheduleA/OtherIncome170Grp/TotalAmt00
IRS990ScheduleA/OtherSupportSumAmt00
IRS990ScheduleA/PublicOrganization170Ind0X
IRS990ScheduleA/PublicSupportCY170Pct00.96570
IRS990ScheduleA/PublicSupportCY509Pct00
IRS990ScheduleA/PublicSupportPY170Pct00.97120
IRS990ScheduleA/PublicSupportTotal170Amt0266500
IRS990ScheduleA/PublicSupportTotal509Amt00
IRS990ScheduleA/SubstantialContributorsTotAmt00
IRS990ScheduleA/TaxRevLeviedOrgnztnlBnft170Grp/TotalAmt00
IRS990ScheduleA/ThirtyThrPctSuprtTestsCY170Ind0X
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearAmt030000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus1YearAmt089000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus2YearsAmt022500
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus3YearsAmt0125000
IRS990ScheduleA/TotalCalendarYear170Grp/CurrentTaxYearMinus4YearsAmt00
IRS990ScheduleA/TotalCalendarYear170Grp/TotalAmt0266500
IRS990ScheduleA/TotalSupportAmt0275963
IRS990ScheduleA/UnrelatedBusinessNetIncm170Grp/TotalAmt00
IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorNum0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine10RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/AddressLine20RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/City0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/State0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/ContributorUSAddress/ZIPCode0RESTRICTED
IRS990ScheduleB/ContributorInformationGrp/TotalContributionsAmt0RESTRICTED
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0Change in reserve for bad debt 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Licenses and fees 20.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Reserve for bad debt 93.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3Meetings & conferences 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Supplies 38.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5Interest 455.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt6Insurance 4871.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt7Travel 0.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt8Loans receivable 22863. 24725.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt9Grants receivable 0. 30000.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt10Loan loss reserve 1143. 1236.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt11Loan payable 43639. 49315.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt12Accounts payable 30000. 60000.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Form 990EZ, Part I, Line 8
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc6Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc7Form 990EZ, Part I, Line 16
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc8Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc9Form 990EZ, Part II, Line 24
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc10Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc11Form 990EZ, Part II, Line 26
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc12Form 990EZ, Part II, Line 26
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0Cody Brown
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0Chairman
ReturnHeader/BusinessOfficerGrp/PhoneNum08658285927
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-08-14
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Turnaround Community Lending Inc
ReturnHeader/Filer/BusinessNameControlTxt0TURN
ReturnHeader/Filer/EIN0851179071
ReturnHeader/Filer/PhoneNum08658285927
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO Box 212
ReturnHeader/Filer/USAddress/CityNm0Rutledge
ReturnHeader/Filer/USAddress/StateAbbreviationCd0TN
ReturnHeader/Filer/USAddress/ZIPCd037861
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0200222344
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Sara H Knight CPA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt05231 Tropicana Drive
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Knoxville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0TN
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd037918
ReturnHeader/PreparerPersonGrp/PhoneNum08657896187
ReturnHeader/PreparerPersonGrp/PreparationDt02025-08-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0Sara H Knight CPA
ReturnHeader/PreparerPersonGrp/SelfEmployedInd0X
ReturnHeader/ReturnTs02025-08-26T05:45:55-07:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-01-01
ReturnHeader/TaxPeriodEndDt02024-12-31
ReturnHeader/TaxYr02024

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Displayed year

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

Open filing
Assets
$103,775
Liabilities
$110,551
Net assets
-$6,776
Revenue
$32,471
Expenses
$36,562
Net income
-$4,091
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.04$1.11$0.07$0.32$0.37$0.04
2023Detailed filing. Detailed filing data is available for this year.$0.72$0.75$0.03$0.91$1.26$0.35
2022Detailed filing. Detailed filing data is available for this year.$1.26$0.94$0.32$0.25$1.09$0.84
2021Detailed filing. Detailed filing data is available for this year.$1.60$0.43$1.16$1.27$0.11$1.17
2020Detailed filing. Detailed filing data is available for this year.$0.18$0.18$0.00$0.00$0.01$0.00