WATERVILLE AREA 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

1970

Legal Domicile

Phone

4198785188

Tax Period

2023-01-01 to 2023-12-31

WATERVILLE AREA CHAMBER OF COMMERCE, founded in 1970, is a small nonprofit that reported $237K in total revenue in fiscal year 2023. Revenue surged 92% from the prior year, signaling strong growth momentum. The organization ran a surplus of $95K, a strong 40% operating margin.

Mission

Community Betterment and Business Growth for Waterville, Ohio

Program Service Accomplishments

Program 1

Expenses: $26,134 Revenue: $57,830

Rouche de Beouf Community Festival featuring area businesses, artists, craftsmen, non profit organizations and historical reenactments.

Program 2

Expenses: $26,954 Revenue: $44,819

General community awareness for Waterville, Ohio through website, community garage sale, block gatherings, support of Waterville Historical Society and other community events such as Block Party and...

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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 $131,660

Program Service Revenue $102,649

Investment Income $2,232

Other Revenue $0

TOTAL REVENUE $236,541

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,814

Fundraising Expenses $0

Program Expenses $53,088

Other Expenses $91,750

TOTAL EXPENSES $141,564

Year-over-Year Comparison

	2023	2022	Change
Revenue	$236,541	$123,379	+0.9%
Expenses	$141,564	$46,040	+2.1%
Net Income	$94,977	$77,339	+0.2%

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

Key Employees

$46,163

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jacquelyn Lehman	Exec Director	25.00	Key Emp	$46,163	$0	$46,163

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
2023	$236,541	$141,564	$181,845	$94,977