HARRISON COUNTY CHAMBER OF COMMERCE (EIN 550145180) - 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

1919

Legal Domicile

Principal Officer

KATHERINE D WAGNER

Phone

3046246331

Tax Period

2025-01-01 to 2025-12-31

HARRISON COUNTY CHAMBER OF COMMERCE, founded in 1919, is a small nonprofit that reported $277K in total revenue in fiscal year 2025. Expenses of $323K exceeded revenue, resulting in a 17% operating deficit.

Mission

TO IMPROVE, EXTEND, ENCOURAGE AND DEVELOP THE BUSINESS INTERESTS OF HARRISON COUNTY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $275,019

Investment Income $1,121

Other Revenue $875

TOTAL REVENUE $277,015

Expense Breakdown

Grants Paid $0

Salaries & Benefits $193,490

Fundraising Expenses $0

Program Expenses $304,781

Other Expenses $129,301

TOTAL EXPENSES $322,791

Year-over-Year Comparison

	2025	2024	Change
Revenue	$277,015	$269,012	+0.0%
Expenses	$322,791	$297,405	+0.1%
Net Income	$-45,776	$-28,393	+0.6%

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

$116,350

Total Directors

$116,350

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARLOW KRISTEN	BOARD MEMBER	1.00	Director	$0	$0	$0
GALLO SAMUEL	BOARD MEMBER	1.00	Director	$0	$0	$0
HABERBOSCH WILSON AMY	SECRETARY	1.00	Officer Director	$0	$0	$0
HESS DAVID	BOARD MEMBER	1.00	Director	$0	$0	$0
LANG LISA	BOARD MEMBER	1.00	Director	$0	$0	$0
LONG SHAWN	CHAIR	1.00	Officer Director	$0	$0	$0
LOPEZ THEODORE	BOARD MEMBER	1.00	Director	$0	$0	$0
OLIVIO SAM	BOARD MEMBER	1.00	Director	$0	$0	$0
PRATT JULIE	BOARD MEMBER	1.00	Director	$0	$0	$0
RADCLIFF KYLEA	VICE CHAIR	1.00	Officer Director	$0	$0	$0
RANDOLPH RANDALL	BOARD MEMBER	1.00	Director	$0	$0	$0
ROGERS STEVE	BOARD MEMBER	1.00	Director	$0	$0	$0
ROWH ADAM	BOARD MEMBER	1.00	Director	$0	$0	$0
TILLEY ELI	TREASURER	1.00	Officer Director	$0	$0	$0
FRANTZ JON	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDOLPH ROBEN	BOARD MEMBER	1.00	Director	$0	$0	$0
FLEECE JACQUELYN	BOARD MEMBER	1.00	Director	$0	$0	$0
LOUNSBURY CAMM	BOARD MEMBER	1.00	Director	$0	$0	$0
CONNOR JAMES	BOARD MEMBER	1.00	Director	$0	$0	$0
GORRELL MONICA	BOARD MEMBER	1.00	Director	$0	$0	$0
SUTTON FRANK	BOARD MEMBER	1.00	Director	$0	$0	$0
KATHY WAGNOR	PRESIDENT	40.00	Officer Director	$97,785	$18,565	$116,350
JESSICAH CROSS	BOARD MEMBER	1.00	Director	$0	$0	$0
JASON HARSHBARGER	BOARD MEMBER	1.00	Director	$0	$0	$0
JESSICA JUDY	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICK MAROZZI	BOARD MEMBER	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
2025	$277,015	$322,791	$177,170	$-45,776
2024	$269,012	$297,405	$211,612	$-28,393
2023	$324,727	$305,522	$240,400	$19,205
2022	$279,365	$289,983	$234,067	$-10,618
2021	$305,855	$260,343	$250,640	$45,512
2020	$234,218	$253,360	$228,595	$-19,142
2019	$313,653	$300,116	$249,337	$13,537
2018	$254,691	$252,118	$250,699	$2,573

HARRISON COUNTY CHAMBER OF COMMERCE