JAY 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

1958

Legal Domicile

Principal Officer

TABBY SPRUNGER

Phone

2607264481

Tax Period

2023-01-01 to 2023-12-31

JAY COUNTY CHAMBER OF COMMERCE, founded in 1958, is a micro nonprofit that reported $91K in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $108K exceeded revenue, resulting in a 19% operating deficit.

Mission

THE JAY COUNTY CHAMBER OF COMMERCE IS THE VISIONARY LEADER OF BUSINESS UNIFIED TO PROMOTE AND ENHANCE THE FUTURE OF COMMERCE AND QUALITY OF LIFE.

Program Service Accomplishments

Program 1

Expenses: $53,974

A BUSINESS LEAGUE TO PROMOTE LOCAL BUSINESS INVOLVEMENT IN THE COMMUNITY WELFARE THROUGH NETWORKING AND TRAINING OF SAID BUSINESSES.

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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 $77,600

Program Service Revenue $0

Investment Income $1

Other Revenue $13,164

TOTAL REVENUE $90,765

Expense Breakdown

Grants Paid $0

Salaries & Benefits $70,330

Fundraising Expenses $0

Program Expenses $53,974

Other Expenses $37,619

TOTAL EXPENSES $107,949

Year-over-Year Comparison

	2023	2022	Change
Revenue	$90,765	$78,491	+0.2%
Expenses	$107,949	$103,220	+0.0%
Net Income	$-17,184	$-24,729	-0.3%

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

N/A

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

$52,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEANNE HOUCHINS	DIRECTOR	0.00	Director	$0	$0	$0
JOHN BOGGS	DIRECTOR	0.00	Director	$0	$0	$0
STEVE ZIELINSKI	DIRECTOR	0.00	Director	$0	$0	$0
TRAVIS RICHARDS	DIRECTOR	0.00	Director	$0	$0	$0
TAMI VORMOHR	DIRECTOR	0.00	Director	$0	$0	$0
DRU HALL	DIRECTOR	0.00	Director	$0	$0	$0
SETH SCOTT	DIRECTOR	0.00	Director	$0	$0	$0
BRIAN MCGALLIARD	DIRECTOR	0.00	Director	$0	$0	$0
MARK VALENTINE	DIRECTOR	0.00	Director	$0	$0	$0
RANDY STEPHEN	DIRECTOR	0.00	Director	$0	$0	$0
SHAUNA RUNKLE	DIRECTOR	0.00	Director	$0	$0	$0
ZACH CHENOWETH	DIRECTOR	0.00	Director	$0	$0	$0
JACK ROBBINS	DIRECTOR	0.00	Director	$0	$0	$0
TABETHA SPRUNGER	EXECUTIVE DIREC	40.00	Officer	$52,250	$0	$52,250
BEN VANCE	VICE PRESIDENT	0.00	Officer	$0	$0	$0
DYLAN FRANKS	SECRETARY	0.00	Officer	$0	$0	$0
JOSH STEWART	PRESIDENT	0.00	Officer	$0	$0	$0

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
2024	No data	No data	No data	No data
2023	$90,765	$107,949	$9,164	$-17,184
2022	$78,491	$103,220	$18,076	$-24,729
2021	$90,048	$98,396	$57,384	$-8,348
2020	$78,826	$84,525	$73,320	$-5,699
2019	$74,885	$93,090	$71,594	$-18,205
2018	$93,574	$95,243	$125,299	$-1,669