Chamber of Commerce of Kearney (EIN 383951905) - 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

2019

Legal Domicile

Principal Officer

Stacie Bratcher

Phone

8166284229

Tax Period

2024-01-01 to 2024-12-31

Chamber of Commerce of Kearney, founded in 2019, is a small nonprofit in the Community Improvement sector that reported $175K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $227K exceeded revenue, resulting in a 30% operating deficit.

Mission

LOCAL AREA CHAMBER OF COMMERCE

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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 $70,290

Program Service Revenue $104,721

Investment Income $414

Other Revenue $0

TOTAL REVENUE $175,425

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $83,672

Fundraising Expenses $0

Program Expenses $121,363

Other Expenses $141,645

TOTAL EXPENSES $227,317

Year-over-Year Comparison

	2024	2023	Change
Revenue	$175,425	$153,676	+0.1%
Expenses	$227,317	$186,852	+0.2%
Net Income	$-51,892	$-33,176	+0.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jennifer Grossl	Director	1.00	Director	$0	$0	$0
Dr Emily Miller	Liaison	1.00	Director	$0	$0	$0
Sheila Ernzen	Liaison	1.00	Director	$0	$0	$0
Natalie Porter Thompson	Director	1.00	Director	$0	$0	$0
Jewelee Cox	Vice President Elect	1.00	Director	$0	$0	$0
Niki Allen	Director	1.00	Director	$0	$0	$0
Jeff Fort	Director	1.00	Director	$0	$0	$0
Geri Spencer	Director	1.00	Officer Director	$0	$0	$0
Nic Vasquez	Treasurer	1.00	Officer Director	$0	$0	$0
Brian Watts	Immediate Past President	2.00	Officer Director	$0	$0	$0
Stacie Bratcher	Executive Director	40.00	Officer	$0	$0	$0
Kristen Atwell	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
2025	No data	No data	No data	No data
2024	$175,425	$227,317	$44,686	$-51,892
2023	$153,676	$186,852	$96,463	$-33,176
2022	$162,405	$157,907	$129,507	$4,498
2021	$144,044	$125,032	$121,658	$19,012
2020	$101,998	$99,235	$102,384	$2,763

Chamber of Commerce of Kearney