EFFINGHAM COUNTY CHAMBER OF COMMERCE (EIN 370600278) - 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

1917

Legal Domicile

Principal Officer

KATIE KOESTER

Phone

2173424147

Tax Period

2024-01-01 to 2024-12-31

EFFINGHAM COUNTY CHAMBER OF COMMERCE, founded in 1917, is a small nonprofit that reported $425K in total revenue in fiscal year 2018. Revenue decreased 11% compared to the prior year.

Mission

TO CREATE CONNECTIONS THAT STENGTHEN MEMBER BUSINESSES AND STIMULATE REGIONAL PROSPERITY.

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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 (2024)

Revenue Breakdown

Contributions & Grants $14,899

Program Service Revenue $508,243

Investment Income $119

Other Revenue $4,940

TOTAL REVENUE $528,201

Expense Breakdown

Grants Paid $0

Salaries & Benefits $261,616

Fundraising Expenses $0

Other Expenses $271,594

TOTAL EXPENSES $533,210

Year-over-Year Comparison

	2024	2023	Change
Revenue	$528,201	$518,433	+0.0%
Expenses	$533,210	$500,034	+0.1%
Net Income	$-5,009	$18,399	-1.3%

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

$75,687

Total Directors

$75,687

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LUCINDA HART	PAST PRESIDE	40.00	Officer Director	$40,916	$1,228	$42,144
KATIE KOESTER	PRESIDENT &	40.00	Officer Director	$32,885	$658	$33,543
NAVI ARORA	DIRECTOR	0.50	Director	$0	$0	$0
AROYN BORRIES	DIRECTOR	0.50	Director	$0	$0	$0
JAY BUEHNERKEMPER	CHAIR ELECT	1.00	Officer Director	$0	$0	$0
MATT CEKANDER	TREASURER	1.00	Officer Director	$0	$0	$0
AUSTIN CHENEY	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
JON FROHNING	DIRECTOR	0.50	Director	$0	$0	$0
ANDY JOHNSON	DIRECTOR	0.50	Director	$0	$0	$0
SHONNA KRACINSKI	DIRECTOR	0.50	Director	$0	$0	$0
ANTHONY POWERS	DIRECTOR	0.50	Director	$0	$0	$0
ASTRID REYES	VP MEMBERSHI	1.00	Officer Director	$0	$0	$0
CARRIE RODMAN	DIRECTOR	0.50	Director	$0	$0	$0
RUSS RUNDE	DIRECTOR	0.50	Director	$0	$0	$0
JON SCHAFER	DIRECTOR	0.50	Director	$0	$0	$0
ALEX STEPPE	VP BUSINESS	1.00	Officer Director	$0	$0	$0
KARA WADE	SECRETARY	1.00	Officer Director	$0	$0	$0
SARAH ZERRUSEN	VP WORKFORCE	1.00	Officer Director	$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
2025	No data	No data	No data	No data
2024	$528,201	$533,210	$531,230	$-5,009
2023	$518,433	$500,034	$542,209	$18,399
2022	$478,481	$495,152	$519,636	$-16,671
2021	$477,937	$459,285	$517,084	$18,652
2020	$398,143	$417,681	$417,240	$-19,538
2019	$417,391	$377,193	$445,555	$40,198
2018	$424,926	$463,511	$444,928	$-38,585

EFFINGHAM COUNTY CHAMBER OF COMMERCE