Culpeper County Chamber of Commerce (EIN 540640609) - 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

1920

Legal Domicile

Phone

5408258628

Tax Period

2023-01-01 to 2023-12-31

Culpeper County Chamber of Commerce, founded in 1920, is a small nonprofit that reported $353K in total revenue in fiscal year 2018.

Mission

The Culpeper County Chamber of Commerce is the voice of the business community working to support, build, and promote the most effective climate for economic development.

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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 $158,807

Program Service Revenue $233,079

Investment Income $3,924

Other Revenue $0

TOTAL REVENUE $395,810

Expense Breakdown

Grants Paid $0

Salaries & Benefits $154,355

Fundraising Expenses $0

Program Expenses $207,202

Other Expenses $193,172

TOTAL EXPENSES $347,527

Year-over-Year Comparison

	2023	2022	Change
Revenue	$395,810	$364,073	+0.1%
Expenses	$347,527	$397,439	-0.1%
Net Income	$48,283	$-33,366	-2.4%

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
Ken Brantley	Chairman	2.00	Officer Director	$0	$0	$0
Gretchen Franti	Chair Elect	2.00	Officer Director	$0	$0	$0
David Silverman	Director	2.00	Director	$0	$0	$0
Joseph Troilo III	Director	2.00	Director	$0	$0	$0
David Jones	Treasurer	2.00	Officer Director	$0	$0	$0
Lorry Harding	Director	2.00	Director	$0	$0	$0
Maria Lischak	Director	2.00	Director	$0	$0	$0
Wade Schick	Director	2.00	Director	$0	$0	$0
D Simone Logan	Director	2.00	Director	$0	$0	$0
Rita Smith	Director	2.00	Director	$0	$0	$0
Ellen Phipps	Director	2.00	Director	$0	$0	$0
Jim LaGraffe	Director	2.00	Director	$0	$0	$0
Travis Chaney	Director	2.00	Director	$0	$0	$0
Nicolle Wootten	Director	2.00	Director	$0	$0	$0
Paul Klinger	Director	2.00	Director	$0	$0	$0
Tabitha Perryman	Vice Chair	2.00	Officer Director	$0	$0	$0
Ron Warner	Director	2.00	Director	$0	$0	$0
Stephen King	Counselor	2.00	Officer Director	$0	$0	$0
Randi Richards-Lutz	Director	2.00	Director	$0	$0	$0
Deb Manzari	Counselor	2.00	Officer Director	$0	$0	$0
Amy Frazier	President & CEO	2.00	Director	$0	$0	$0
Tom Locher	Director	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
2024	No data	No data	No data	No data
2023	$395,810	$347,527	$953,303	$48,283
2022	$364,073	$397,439	$883,963	$-33,366
2021	$408,745	$310,648	$929,508	$98,097
2020	$325,144	$266,036	$881,580	$59,108
2019	$381,495	$334,786	$833,172	$46,709
2018	$353,470	$360,821	$733,610	$-7,351

Culpeper County Chamber of Commerce