CHAMBER OF COMMERCE

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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

1978

Legal Domicile

Principal Officer

CLOKE KRISTIN C

Phone

5733462227

Tax Period

2024-01-01 to 2024-12-31

CHAMBER OF COMMERCE, founded in 1978, is a small nonprofit that reported $309K in total revenue in fiscal year 2024. Revenue surged 55% from the prior year, signaling strong growth momentum. Expenses of $267K left a modest 13% surplus.

Mission

IMPROVE THE BUSINESS OUTLOOK AND QUALITY OF LIFE BY BEING A MOTIVATIONAL FORCE IN COORDINATING, LEADING AND PROMOTING BUSINESS DEVELOPMENT FOR THE CAMDENTON AREA.

Program Service Accomplishments

Program 1

PRODUCT TRADE SHOW - TRADE SHOW THAT ENABLES MERCHANTS TO EXHIBIT PRODUCTS AND SERVICES TO PROMOTE INTEREST IN CAMDENTON AND THE SURROUNDING AREAS.

Program 2

THE LAKE OF THE OZARKS AIR SHOW IS AN EVENT THAT HELPS PROMOTE THE LAKE OF THE OZARKS REGION BY PROVIDING FREE ACTIVITIES AND ENTERTAINMENT WHILE ALSO PAYING SPECIAL TRIBUTE TO VETERANS.

Program 3

THE DOGWOOD FESTIVAL IS AN ANNUAL EVENT HELD IN CAMDENTON THAT PROMOTES THE AREA AS WELL AS LOCAL BUSINESSES.

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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 $84,275

Program Service Revenue $211,699

Investment Income $4,431

Other Revenue $8,362

TOTAL REVENUE $308,767

Expense Breakdown

Grants Paid $0

Salaries & Benefits $114,794

Fundraising Expenses $0

Other Expenses $152,382

TOTAL EXPENSES $267,176

Year-over-Year Comparison

	2024	2023	Change
Revenue	$308,767	$199,341	+0.5%
Expenses	$267,176	$207,137	+0.3%
Net Income	$41,591	$-7,796	-6.3%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS AYRES	BOARD MEMBER	2.00	Director	$0	$0	$0
DYLAN CARVER	PRESIDENT	2.00	Officer Director	$0	$0	$0
NATALIE COUCH	TREASURER	2.00	Officer Director	$0	$0	$0
LINDSEY WEBSTER DILLON	BOARD MEMBER	2.00	Director	$0	$0	$0
ANDY GIBSON	BOARD MEMBER	2.00	Director	$0	$0	$0
JEFF KARR	BOARD MEMBER	2.00	Director	$0	$0	$0
DAVE KEMPKER	BOARD MEMBER	2.00	Director	$0	$0	$0
BRE LINCH	BOARD MEMBER	2.00	Director	$0	$0	$0
SHAWNA PHILLIPS	BOARD MEMBER	2.00	Director	$0	$0	$0
DAVID SHIPP	BOARD MEMBER	2.00	Director	$0	$0	$0
GARY SMITH	BOARD MEMBER	2.00	Director	$0	$0	$0
ASHLEY SWEGLE	BOARD MEMBER	2.00	Director	$0	$0	$0
SHAYLA VIELE	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
ALEX WILHELM	BOARD MEMBER	2.00	Director	$0	$0	$0
JODIE WINTHER	BOARD MEMBER	2.00	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	No data	No data	No data	No data
2024	$308,767	$267,176	$478,791	$41,591
2023	$199,341	$207,137	$437,488	$-7,796
2022	$268,031	$238,599	$444,853	$29,432
2021	$194,563	$211,438	$437,038	$-16,875
2020	$221,638	$222,331	$454,098	$-693
2019	$185,053	$203,241	$465,345	$-18,188
2018	$214,561	$238,122	$471,839	$-23,561