FREDERICKSBURG REGIONAL CHAMBER OF COMMERCE (EIN 540216400) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1916

Legal Domicile

Principal Officer

SUSAN SPEARS

Phone

5403739400

Tax Period

2023-01-01 to 2023-12-31

FREDERICKSBURG REGIONAL CHAMBER OF COMMERCE, founded in 1916, is a small nonprofit that reported $763K in total revenue in fiscal year 2018.

Mission

THE FREDERICKSBURG REGIONAL CHAMBER OF COMMERCE PROMOTES BUSINESS AND COMMUNITY ACTIVITIES IN THE FREDERICKSBURG REGION AND SURROUNDING AREAS.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $73,515

Program Service Revenue $674,367

Investment Income $6,652

Other Revenue $112,115

TOTAL REVENUE $866,649

Expense Breakdown

Grants Paid $0

Salaries & Benefits $617,497

Fundraising Expenses $0

Other Expenses $349,944

TOTAL EXPENSES $967,441

Year-over-Year Comparison

	2023	2022	Change
Revenue	$866,649	$771,237	+0.1%
Expenses	$967,441	$937,321	+0.0%
Net Income	$-100,792	$-166,084	-0.4%

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

241

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

$151,886

Total Directors

$151,886

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN DILLARD	CHAIR	2.00	Officer Director	$0	$0	$0
MICHELLE CALDWELL THOMPSON	VICE CHAIR	2.00	Officer Director	$0	$0	$0
SHAWN SLOAN	TREASURER	2.00	Officer Director	$0	$0	$0
ERIC FLETCHER	PAST CHAIR	2.00	Officer Director	$0	$0	$0
SUSAN SPEARS	PRESIDENT/CE	40.00	Officer Director	$147,532	$4,354	$151,886
RAYMOND BELL JR	DIRECTOR	1.00	Director	$0	$0	$0
MARGARET HARDY	GENERAL COUN	2.00	Director	$0	$0	$0
STACY HORNE	DIRECTOR	1.00	Director	$0	$0	$0
TYRONE LOGAN	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN BAKER	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HEWA	DIRECTOR	1.00	Director	$0	$0	$0
GINNI MASTIN	DIRECTOR	1.00	Director	$0	$0	$0
JANEL DONOHUE	DIRECTOR	1.00	Director	$0	$0	$0
JOEL GRIFFIN	DIRECTOR	1.00	Director	$0	$0	$0
JANET GULLICKSON	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA HUTZEL	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN KINGSLEY	DIRECTOR	1.00	Director	$0	$0	$0
LINDA RIVERA	DIRECTOR	1.00	Director	$0	$0	$0
BILL VAKOS	DIRECTOR	1.00	Director	$0	$0	$0
RYAN VANDERWIJST	DIRECTOR	1.00	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
2023	$866,649	$967,441	$226,331	$-100,792
2022	$771,237	$937,321	$627,123	$-166,084
2021	$987,064	$787,387	$826,864	$199,677
2020	$784,307	$748,535	$660,844	$35,772
2019	$919,718	$807,992	$658,729	$111,726
2018	$763,462	$751,077	$770,124	$12,385

FREDERICKSBURG REGIONAL CHAMBER OF COMMERCE