CUMBERLAND CHAMBER OF COMMERCE (EIN 391732143) - 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

1966

Legal Domicile

Principal Officer

JONATHAN HILE

Phone

7158223378

Tax Period

2024-01-01 to 2024-12-31

CUMBERLAND CHAMBER OF COMMERCE, founded in 1966, is a small nonprofit that reported $274K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion.

Mission

COMMUNITY PROMOTION

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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 $273,073

Program Service Revenue $0

Investment Income $534

Other Revenue $0

TOTAL REVENUE $273,607

Expense Breakdown

Grants Paid $0

Salaries & Benefits $24,200

Fundraising Expenses $0

Program Expenses $248,513

Other Expenses $253,923

TOTAL EXPENSES $278,123

Year-over-Year Comparison

	2024	2023	Change
Revenue	$273,607	$252,929	+0.1%
Expenses	$278,123	$248,465	+0.1%
Net Income	$-4,516	$4,464	-2.0%

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

N/A

Independent Members

N/A

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
PAUL NELSON	BOARD MEMBER	0.00	Director	$0	$0	$0
PAUL BUCHER	BOARD MEMBER	0.00	Director	$0	$0	$0
LOUIS MUENCH	BOARD MEMBER	0.00	Director	$0	$0	$0
TROY LYNCH	BOARD MEMBER	0.00	Director	$0	$0	$0
BEN STEVENS	BOARD MEMBER	0.00	Director	$0	$0	$0
KRISTA JOHNSON	BOARD MEMBER	0.00	Director	$0	$0	$0
MARK PEICHEL	BOARD MEMBER	0.00	Director	$0	$0	$0
JODI GRIFFITH	BOARD MEMBER	0.00	Director	$0	$0	$0
DAVID NIEBUHR	BOARD MEMBER	0.00	Director	$0	$0	$0
JONATHAN HILE	PRESIDENT	1.00	Officer	$0	$0	$0
JENNY THORP	SECRETARY BOARD MEMBER	0.00	Officer	$0	$0	$0
JORDAN PEICHEL	VICE PRESIDENT	0.00	Officer	$0	$0	$0
JOSH JOHNSON	TREASURER	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	$273,607	$278,123	$209,698	$-4,516
2023	$252,929	$248,465	$221,388	$4,464
2022	$267,228	$251,403	$223,447	$15,825
2021	$203,992	$227,013	$208,075	$-23,021
2020	$129,815	$84,271	$223,345	$45,544
2019	$184,791	$194,250	$181,215	$-9,459
2018	$182,268	$175,445	$191,934	$6,823

CUMBERLAND CHAMBER OF COMMERCE