MUNCIE-DELAWARE COUNTY CHAMBER OF COMMERCE (EIN 350534380) - Form 990 Financial Analysis & Trantor Score

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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

1937

Legal Domicile

Principal Officer

ELIZABETH ROWRAY

Phone

7652886681

Tax Period

2022-10-01 to 2023-09-30

MUNCIE-DELAWARE COUNTY CHAMBER OF COMMERCE, founded in 1937, is a small nonprofit that reported $786K in total revenue in fiscal year 2022. Revenue surged 88% from the prior year, signaling strong growth momentum. The organization ran a surplus of $118K, a strong 15% operating margin.

Mission

ECONOMIC DEVELOPMENT

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $751,921

Investment Income $227

Other Revenue $33,624

TOTAL REVENUE $785,772

Expense Breakdown

Grants Paid $0

Salaries & Benefits $421,397

Fundraising Expenses $0

Other Expenses $246,313

TOTAL EXPENSES $667,710

Year-over-Year Comparison

	2022	2021	Change
Revenue	$785,772	$418,501	+0.9%
Expenses	$667,710	$399,961	+0.7%
Net Income	$118,062	$18,540	+5.4%

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

$107,782

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAAIGE TURNER	VICE CHAIR, OPERATIONS	1.00	Officer Director	$0	$0	$0
JEFF BIRD	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHEN BRAND	CHAIR ELECT VC ECON DEV	1.00	Officer Director	$0	$0	$0
JASON BROOKS	BOARD MEMBER	1.00	Director	$0	$0	$0
MARTIN HILLERY	BOARD MEMBER	1.00	Director	$0	$0	$0
ALLISON ROBBINS	BOARD MEMBER	1.00	Director	$0	$0	$0
KEITH O'NEAL	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF SCOTT	VICE CHAIR COMM & GOVERNMENT RELATIONS	1.00	Officer Director	$0	$0	$0
NICK TOKAR	CHAIR	1.00	Officer Director	$0	$0	$0
FRANK SCOTT	IMMEDIATE PAST CHAIR	1.00	Officer Director	$0	$0	$0
GARRETT DOAN	SEC/TREASURER	1.00	Officer Director	$0	$0	$0
KELSEY HARRINGTON	BOARD MEMBER	1.00	Director	$0	$0	$0
SCOTT RIGGS	BOARD MEMBER	1.00	Director	$0	$0	$0
ELIZABETH ROWRAY	PRESIDENT	27.00	Officer	$101,270	$6,512	$107,782

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	$785,772	$667,710	$563,735	$118,062
2022	$418,501	$399,961	$350,567	$18,540
2021	$349,413	$440,921	$389,149	$-91,508
2020	$378,523	$466,671	$403,297	$-88,148
2019	$503,526	$515,540	$499,602	$-12,014
2018	$547,801	$559,417	$521,045	$-11,616

MUNCIE-DELAWARE COUNTY CHAMBER OF COMMERCE