CHEROKEE COUNTY CHAMBER OF COMMERCE (EIN 570288311) - 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

1947

Legal Domicile

Principal Officer

FRANCES STOCKWELL

Phone

8644895712

Tax Period

2025-01-01 to 2025-12-31

CHEROKEE COUNTY CHAMBER OF COMMERCE, founded in 1947, is a small nonprofit that reported $161K in total revenue in fiscal year 2025. Revenue fell 75% from the prior year — a significant decline worth monitoring. Expenses of $201K exceeded revenue, resulting in a 25% operating deficit.

Mission

COMMUNITY BUSINESS PROMOTION

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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 $131,398

Program Service Revenue $0

Investment Income $106

Other Revenue $29,274

TOTAL REVENUE $160,778

Expense Breakdown

Grants Paid $0

Salaries & Benefits $124,443

Fundraising Expenses $0

Program Expenses $151,800

Other Expenses $76,553

TOTAL EXPENSES $200,996

Year-over-Year Comparison

	2025	2024	Change
Revenue	$160,778	$652,577	-0.8%
Expenses	$200,996	$170,438	+0.2%
Net Income	$-40,218	$482,139	-1.1%

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

$62,995

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRANCES STOCKWELL	EXECUTIVE DI	40.00	Director	$62,995	$0	$62,995
SHANESE DAWKINS	VICE PRESIDE	N/A	Director	$0	$0	$0
SHELTINA MORRIS	TREASURER	N/A	Director	$0	$0	$0
SHANNON WYLIE	PRESIDENT	N/A	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	$160,778	$200,996	$602,841	$-40,218
2024	$652,577	$170,438	$643,059	$482,139
2023	$169,341	$153,202	$160,920	$16,139
2022	$152,172	$150,917	$149,022	$1,255
2021	$133,990	$134,411	$147,780	$-421
2020	$131,611	$144,790	$148,497	$-13,179
2019	$148,296	$164,967	$161,569	$-16,671
2018	$158,677	$178,352	$178,459	$-19,675

CHEROKEE COUNTY CHAMBER OF COMMERCE