CHAMBER OF COMMERCE (EIN 351666553) - 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

1985

Legal Domicile

Principal Officer

RITA SIMPSON

Tax Period

2019-01-01 to 2019-12-31

CHAMBER OF COMMERCE, founded in 1985, is a micro nonprofit that reported $5K in total revenue in fiscal year 2019. Revenue fell 54% from the prior year — a significant decline worth monitoring. Expenses of $9K exceeded revenue, resulting in a 101% operating deficit.

Mission

PROMOTION OF THE TOWN OF MENTONE, INDIANA AND THE BUSINESS COMMUNITY LOCATED IN THE TOWN AND SURROUNDING 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 (2019)

Revenue Breakdown

Contributions & Grants $1,090

Program Service Revenue $0

Investment Income $67

Other Revenue $3,408

TOTAL REVENUE $4,565

Expense Breakdown

Grants Paid $2,161

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $7,030

TOTAL EXPENSES $9,191

Year-over-Year Comparison

	2019	2018	Change
Revenue	$4,565	$10,028	-0.5%
Expenses	$9,191	$35,218	-0.7%
Net Income	$-4,626	$-25,190	-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

N/A

Employees

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
C GAKSTATTER	BOARD	001.00	Director	$0	$0	$0
SHAWN FULTZ	BOARD	001.00	Director	$0	$0	$0
KRYSTAL LYBARGER	BOARD	001.00	Director	$0	$0	$0
RITA SIMPSON	PRESIDENT	002.00	Officer	$0	$0	$0
TIM CROY	VICE-PRESIDENT	001.00	Officer	$0	$0	$0
KAREN FRANCIS	TREASURER	003.00	Officer	$0	$0	$0
JANICK NORRIS	SECRETARY	001.00	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
2019	$4,565	$9,191	$97,607	$-4,626
2018	$10,028	$35,218	$83,381	$-25,190
2017	$7,373	$7,691	$116,974	$-318

CHAMBER OF COMMERCE