CARROLL COUNTY CHAMBER OF COMMERCE

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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

2005

Legal Domicile

Principal Officer

MARY ANN SMERDEL-LYBROOK

Phone

7655646757

Tax Period

2023-01-01 to 2023-12-31

CARROLL COUNTY CHAMBER OF COMMERCE, founded in 2005, is a small nonprofit in the Community Improvement sector that reported $438K in total revenue in fiscal year 2023. Revenue decreased 8% compared to the prior year.

Mission

TO PROMOTE THE BUSINESSES, THE BUSINESS COMMUNITY, AND THE ORGANIZATIONS THAT SERVE THE BUSINESSES OF CARROLL COUNTY, INDIANA.

Program Service Accomplishments

Program 1

Expenses: $184,079 Revenue: $139,923

PROMOTION OF BUSINESSES, ATTRACT NEW BUSINESSES, PROVIDE ECONOMIC BUSINESS ASSISTANCE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $84,090

Program Service Revenue $139,923

Investment Income $0

Other Revenue $214,255

TOTAL REVENUE $438,268

Expense Breakdown

Grants Paid $0

Salaries & Benefits $100,980

Fundraising Expenses $212,017

Program Expenses $184,079

Other Expenses $326,721

TOTAL EXPENSES $427,701

Year-over-Year Comparison

	2023	2022	Change
Revenue	$438,268	$474,297	-0.1%
Expenses	$427,701	$417,654	+0.0%
Net Income	$10,567	$56,643	-0.8%

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

Total Directors

$52,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARY ANN SMERDEL-LYBROOK	PRESIDENT	2.00	Officer	$0	$0	$0
BARB HICKNER	VICE PRESIDE	2.00	Officer	$0	$0	$0
PAT CASSERLY	SECRETARY/TR	2.00	Officer	$0	$0	$0
DICK BRADSHAW	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOTT BROSMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
LAURIE BROWER	BOARD MEMBER	1.00	Director	$0	$0	$0
BRET HANAWAY	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMI WEAVER	BOARD MEMBER	1.00	Director	$0	$0	$0
PAUL BRANHAM	BOARD MEMBER	1.00	Director	$0	$0	$0
KEITH THACKERY	BOARD MEMBER	1.00	Director	$0	$0	$0
CATHY BUTCHER	BOARD MEMBER	1.00	Director	$0	$0	$0
LAUREN WEAVER	BOARD MEMBER	1.00	Director	$0	$0	$0
NATE LAMAR	BOARD MEMBER	1.00	Director	$0	$0	$0
JULIA LEAHY	EXECUTIVE DI	40.00	Director	$52,500	$0	$52,500

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$438,268	$427,701	$176,416	$10,567
2022	$474,297	$417,654	$165,344	$56,643
2021	$356,616	$308,788	$108,567	$47,828
2020	$129,153	$98,672	$61,379	$30,481