GREATER GREENFIELD CHAMBER OF COMMERCE INC (EIN 351005084) - 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

1951

Legal Domicile

Principal Officer

RETTA LIVENGOOD

Phone

3174774188

Tax Period

2023-01-01 to 2023-12-31

GREATER GREENFIELD CHAMBER OF COMMERCE INC, founded in 1951, is a small nonprofit that reported $157K in total revenue in fiscal year 2023. Revenue decreased 11% compared to the prior year. Net assets of $327K represent 25 months of operating reserves.

Mission

TO BUILD HEALTHY ECONOMIC DEVELOPMENT, ENHANCING QUALITY OF LIFE AND PROMOTING COMMUNITY WITHIN THE HANCOCK COUNTY, INDIANA AREA.

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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 $110,501

Program Service Revenue $6,036

Investment Income $24

Other Revenue $40,872

TOTAL REVENUE $157,433

Expense Breakdown

Grants Paid $0

Salaries & Benefits $121,245

Fundraising Expenses $0

Program Expenses $797

Other Expenses $40,980

TOTAL EXPENSES $162,225

Year-over-Year Comparison

	2023	2022	Change
Revenue	$157,433	$177,036	-0.1%
Expenses	$162,225	$148,444	+0.1%
Net Income	$-4,792	$28,592	-1.2%

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

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

$91,959

Total Directors

$16,997

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARBARA KAUCHAK	CHAIRMAN EMERITUS	1.00	Officer Director	$0	$0	$0
DAVE GRAY	MEMBER	1.00	Director	$0	$0	$0
DEDE ALLENDER	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JULIE HOOVER	MEMBER	1.00	Director	$0	$0	$0
JEFF SOMERS	MEMBER	1.00	Director	$0	$0	$0
JAMIE BELL	MEMBER	1.00	Director	$0	$0	$0
SARAH RIGGS	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
ANDY ISCH	MEMBER	1.00	Director	$0	$0	$0
LAURA BARNETT	MEMBER	1.00	Director	$0	$0	$0
THOMAS BOWMAN	MEMBER	1.00	Director	$0	$0	$0
NICK LUDLOW	SECRETARY	1.00	Officer Director	$0	$0	$0
PATRICK DAVIDSON	TREASURER	1.00	Officer Director	$0	$0	$0
MARGARET PLATTER	MEMBER	1.00	Director	$0	$0	$0
JOHN STEWART	MEMBER	1.00	Director	$0	$0	$0
MELISSA EWALD	MARKETING	10.00	Officer Director	$16,997	$0	$16,997
AMY SUTTON	MEMBER	1.00	Director	$0	$0	$0
RETTA LIVENGOOD	PRESIDENT	40.00	Officer	$74,962	$0	$74,962

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	$157,433	$162,225	$324,885	$-4,792
2022	$177,036	$148,444	$333,247	$28,592
2021	$167,327	$148,347	$305,678	$18,980
2020	$185,052	$173,970	$289,826	$11,082
2019	$180,780	$188,509	$299,044	$-7,729
2018	$162,809	$176,298	$303,023	$-13,489

GREATER GREENFIELD CHAMBER OF COMMERCE INC