Rutherford County Chamber of Comme… - 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

1957

Legal Domicile

Phone

8284473063

Tax Period

2024-07-01 to 2025-06-30

Rutherford County Chamber of Commerce Inc, founded in 1957, is a small nonprofit that reported $248K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $44K, a strong 18% operating margin.

Mission

Helping to create and maintain a healthy business environment which will enhance prosperity and improve the quality of life in Rutherford County

Program Service Accomplishments

Program 1

Expenses: $169,146 Revenue: $244,511

To promote business education and community development to be inclusive in promoting county wide business development

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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 $244,511

Program Service Revenue $0

Investment Income $3,828

Other Revenue $0

TOTAL REVENUE $248,339

Expense Breakdown

Grants Paid $12,500

Salaries & Benefits $104,893

Fundraising Expenses $0

Program Expenses $169,146

Other Expenses $87,428

TOTAL EXPENSES $204,821

Year-over-Year Comparison

	2024	2023	Change
Revenue	$248,339	$226,519	+0.1%
Expenses	$204,821	$182,104	+0.1%
Net Income	$43,518	$44,415	0.0%

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

N/A

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

$69,150

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Cindy Cobb	Executive Dir.	40.00	Officer	$69,150	$0	$69,150
Craig Debrew	Chairman	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	$248,339	$204,821	$191,166	$43,518
2024	$226,519	$182,104	$147,648	$44,415
2021	$138,876	$132,589	$126,368	$6,287
2019	$109,751	$158,547	$57,298	$-48,796

Rutherford County Chamber of Commerce Inc