MARSHALL CHAMBER OF COMMERCE (EIN 440339110) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1911

Legal Domicile

Principal Officer

SHERI J HACKER

Phone

6608863324

Tax Period

2024-07-01 to 2025-06-30

MARSHALL CHAMBER OF COMMERCE, founded in 1911, is a small nonprofit that reported $149K in total revenue in fiscal year 2024. Revenue fell 75% from the prior year — a significant decline worth monitoring. Expenses of $171K exceeded revenue, resulting in a 15% operating deficit.

Mission

TO PROMOTE BUSINESS IN MARSHALL AND THE SURROUNDING COMMUNITITES AND TO PROMOTE A QUALITY OF LIFE TO SUPPORT STRONG BUSINESS.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $83,593

Investment Income $1,839

Other Revenue $63,776

TOTAL REVENUE $149,208

Expense Breakdown

Grants Paid $0

Salaries & Benefits $88,753

Fundraising Expenses $0

Other Expenses $82,009

TOTAL EXPENSES $171,441

Year-over-Year Comparison

	2024	2023	Change
Revenue	$149,208	$587,967	-0.7%
Expenses	$171,441	$650,908	-0.7%
Net Income	$-22,233	$-62,941	-0.6%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

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

$88,753

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RACHEL HAYWORTH	EXECUTIVE DIRECTOR	040.00	Director	$0	$0	$88,753
SHERI HACKER	PRESIDENT	001.00	Officer Director	$0	$0	$0
LAUREN REYES	VICE PRESIDENT	000.50	Officer Director	$0	$0	$0
TROY WASHBURN	DIRECTOR	000.50	Director	$0	$0	$0
JESSICA PARKER	DIRECTOR	000.50	Director	$0	$0	$0
CALEB PETET	DIRECTOR	000.50	Director	$0	$0	$0
HEATHER ARTH	DIRECTOR	000.50	Director	$0	$0	$0
STACY WEAVER	DIRECTOR	000.50	Director	$0	$0	$0
JESSICA BAKER	SECRETARY	001.00	Officer Director	$0	$0	$0
AMY VAN	TREASURER	001.00	Officer Director	$0	$0	$0
JACQUE DRYER	DIRECTOR	000.50	Director	$0	$0	$0
STEPHANIE GOODEN	DIRECTOR	000.50	Director	$0	$0	$0
JAY JONES	DIRECTOR	000.50	Director	$0	$0	$0
NATALIA OSPINO	COMMUNICAATIONS DIRECTOR	000.50	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	$149,208	$171,441	$114,160	$-22,233
2024	No data	No data	No data	No data
2023	$1,082,761	$1,078,705	$192,894	$4,056
2022	$1,137,010	$1,146,584	$187,968	$-9,574
2021	$1,335,487	$1,321,788	$199,152	$13,699
2020	$880,157	$812,038	$184,048	$68,119
2019	$235,275	$216,670	$140,503	$18,605
2018	$185,063	$176,872	$91,218	$8,191

MARSHALL CHAMBER OF COMMERCE