LUMBERTON CHAMBER OF COMMERCE AND … - Form 990 Financial Data

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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

1937

Legal Domicile

Principal Officer

CINDY KERN

Phone

9107394750

Tax Period

2023-02-01 to 2024-01-31

LUMBERTON CHAMBER OF COMMERCE AND AGRICULTURE, founded in 1937, is a small nonprofit that reported $256K in total revenue in fiscal year 2023. Expenses of $220K left a modest 14% surplus.

Mission

TO DEVELOP AND PROMOTE THE COMMERCIAL, PROFESSIONAL, FINANCIAL, AND GENERAL BUSINESS INTERESTS OF THE LUMBERTON, NC AREA

Program Service Accomplishments

Program 1

DEVELOP AND PROMOTE THE PROFESSIONAL, FINANCIAL, AND GENERAL BUSINESS INTERESTS OF THE LUMBERTON, NC AREA

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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 (2023)

Revenue Breakdown

Contributions & Grants $256,474

Program Service Revenue $0

Investment Income $5

Other Revenue $0

TOTAL REVENUE $256,479

Expense Breakdown

Grants Paid $0

Salaries & Benefits $118,745

Fundraising Expenses $35,995

Other Expenses $101,194

TOTAL EXPENSES $219,939

Year-over-Year Comparison

	2023	2022	Change
Revenue	$256,479	$243,525	+0.1%
Expenses	$219,939	$202,534	+0.1%
Net Income	$36,540	$40,991	-0.1%

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
CINDY KERN	EXECUTIVE DIRECTOR	40.00	Key Emp	$0	$0	$0
JENNIFER STEPHENSON	CHAIRMAN	4.00	Director	$0	$0	$0
JOHN FRANKLIN	PAST CHAIR	2.00	Director	$0	$0	$0
DEBBIE BRANYON	CHAIR ELECT	2.00	Director	$0	$0	$0
TAMARA KEMP	TREASURER	2.00	Director	$0	$0	$0
CRYSTAL COLLINS	EXEC COMMITTEE	2.00	Director	$0	$0	$0
DENISE PRUTZMAN	EXEC COMMITTEE	2.00	Director	$0	$0	$0
LINDA BRANCH	EXEC COMMITTEE	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	$256,479	$219,939	$376,150	$36,540
2023	$243,525	$202,534	$338,467	$40,991
2022	$222,039	$190,556	$313,256	$31,483
2021	$126,156	$156,914	$268,323	$-30,758
2020	$211,306	$197,969	$295,472	$13,337
2019	$207,952	$192,158	$269,160	$15,794

LUMBERTON CHAMBER OF COMMERCE AND AGRICULTURE