Chamber of Commerce Inc (EIN 440193475) - 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

1932

Legal Domicile

Phone

4173582373

Tax Period

2024-07-01 to 2025-06-30

Chamber of Commerce Inc, founded in 1932, is a small nonprofit that reported $402K in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. The organization ran a surplus of $99K, a strong 25% operating margin.

Mission

To improve the overall business climate for our members and community through sponsorship of programs which promote civic and economic development, stimulate growth and support relevant political action.

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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 $286,107

Program Service Revenue $112,074

Investment Income $3,767

Other Revenue $0

TOTAL REVENUE $401,948

Expense Breakdown

Grants Paid $0

Salaries & Benefits $131,225

Fundraising Expenses $0

Program Expenses $82,028

Other Expenses $171,889

TOTAL EXPENSES $303,114

Year-over-Year Comparison

	2024	2023	Change
Revenue	$401,948	$462,439	-0.1%
Expenses	$303,114	$322,661	-0.1%
Net Income	$98,834	$139,778	-0.3%

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

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

$77,500

Total Directors

$77,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Julie Reams	President	40.00	Officer Director	$77,500	$0	$77,500
Jenny Brust	Director	0.00	Officer Director	$0	$0	$0
Kris Esch	Director	0.00	Director	$0	$0	$0
Derek Maneval	Director	0.00	Director	$0	$0	$0
Patricia Sacry	Director	0.00	Director	$0	$0	$0
Mindi Wilks	Director	0.00	Director	$0	$0	$0
Torie Soriano	Treasurer	0.00	Officer Director	$0	$0	$0
Willie Waggoner	Director	0.00	Director	$0	$0	$0
Kile Lesmeister	Director	0.00	Director	$0	$0	$0
Tyler Smith	Chairman	0.00	Officer Director	$0	$0	$0
Shelby Baugh Bruner	Vice President	0.00	Officer Director	$0	$0	$0
Maria Sanchez	Director	0.00	Director	$0	$0	$0
Gage Tiller	Director	0.00	Director	$0	$0	$0
Bill Montalvo	Director	0.00	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	$401,948	$303,114	$821,140	$98,834
2024	$462,439	$322,661	$813,069	$139,778
2023	$345,708	$277,128	$703,131	$68,580
2022	$279,071	$249,823	$506,418	$29,248
2021	$251,140	$279,940	$450,146	$-28,800
2021	$251,140	$247,139	$482,947	$4,001
2020	$308,665	$305,649	$444,028	$3,016
2019	$319,715	$310,225	$448,311	$9,490

Chamber of Commerce Inc