SMITHVILLE AREA CHAMBER OF COMMERCE (EIN 431521387) - 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

1976

Legal Domicile

Principal Officer

JEANNE SAYLER

Phone

8165320946

Tax Period

2025-01-01 to 2025-12-31

SMITHVILLE AREA CHAMBER OF COMMERCE, founded in 1976, is a micro nonprofit that reported $92K in total revenue in fiscal year 2025. Revenue decreased 7% compared to the prior year.

Mission

TO PROMOTE BUSINESS ACTIVITY FOR MEMBERS AND THE CITY OF SMITHVILLE MO.

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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 (2025)

Revenue Breakdown

Contributions & Grants $90,596

Program Service Revenue $2,712

Investment Income $669

Other Revenue $-2,455

TOTAL REVENUE $91,522

Expense Breakdown

Grants Paid $0

Salaries & Benefits $48,934

Fundraising Expenses $2,770

Program Expenses $80,170

Other Expenses $44,891

TOTAL EXPENSES $93,825

Year-over-Year Comparison

	2025	2024	Change
Revenue	$91,522	$98,768	-0.1%
Expenses	$93,825	$92,672	+0.0%
Net Income	$-2,303	$6,096	-1.4%

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
KAREN LANE	TREASURER	2.00	Officer	$0	$0	$0
JEANNE SAYLER	PRESIDENT	2.00	Officer	$0	$0	$0
KELLY STUMPH	VICE PRESIDE	1.00	Officer	$0	$0	$0
HEATH THORNHILL	MEMBER	1.00	Officer	$0	$0	$0
JUSTIN HOUGH	SECRETARY	1.00	Officer	$0	$0	$0
MATT DENTON	MEMBER	1.00	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	$91,522	$93,825	$139,705	$-2,303
2024	$98,768	$92,672	$134,300	$6,096
2023	$110,625	$92,473	$128,069	$18,152
2022	$72,121	$58,319	$109,420	$13,802
2021	$57,719	$55,943	$94,433	$1,776
2020	$34,799	$47,321	$93,010	$-12,522
2019	$55,415	$61,956	$105,463	$-6,541
2018	$67,380	$66,283	$111,990	$1,097

SMITHVILLE AREA CHAMBER OF COMMERCE