THE CHAMBER OF COMMERCE FOR BAINBRIDGE AND DECATUR COUNTY (EIN 580151523) - 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

1926

Legal Domicile

Principal Officer

KAREN TOBIN

Phone

2292464774

Tax Period

2024-01-01 to 2024-12-31

THE CHAMBER OF COMMERCE FOR BAINBRIDGE AND DECATUR COUNTY, founded in 1926, is a small nonprofit that reported $434K in total revenue in fiscal year 2024. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $404K left a modest 7% surplus.

Mission

STRENGTHEN BUSINESS, FOSTER ECONOMIC GROWTH, AND IMPROVE THE QUALITY OF LIFE FOR ALL.

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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 $185,923

Program Service Revenue $231,649

Investment Income $4,412

Other Revenue $11,898

TOTAL REVENUE $433,882

Expense Breakdown

Grants Paid $0

Salaries & Benefits $139,292

Fundraising Expenses $0

Program Expenses $396,773

Other Expenses $264,757

TOTAL EXPENSES $404,049

Year-over-Year Comparison

	2024	2023	Change
Revenue	$433,882	$389,316	+0.1%
Expenses	$404,049	$374,765	+0.1%
Net Income	$29,833	$14,551	+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

N/A

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

$59,640

Total Directors

$59,640

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT EWING	CHAIR-ELECT	0.00	Officer Director	$0	$0	$0
JENNIFER CANNON	PAST CHAIRMAN	0.00	Officer Director	$0	$0	$0
KOLBY SHEPHERD	CHAIR APPOINTEE	0.00	Officer Director	$0	$0	$0
GALLAGHER DEMPSEY	DIRECTOR	0.00	Director	$0	$0	$0
KYLE KELLEY	DIRECTOR	0.00	Director	$0	$0	$0
MATT PALMER	DIRECTOR	0.00	Director	$0	$0	$0
CILE WARR	DIRECTOR	0.00	Director	$0	$0	$0
RENEE FISHER	DIRECTOR	0.00	Director	$0	$0	$0
KEITH LYLE	DIRECTOR	0.00	Director	$0	$0	$0
KAREN TOBIN	EXECUTIVE OFFICER	40.00	Officer Director	$59,640	$0	$59,640

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	$433,882	$404,049	$351,933	$29,833
2023	$389,316	$374,765	$319,607	$14,551
2022	$385,857	$377,817	$303,086	$8,040
2021	$402,757	$306,172	$283,615	$96,585
2020	$275,700	$283,370	$260,664	$-7,670
2019	$394,797	$412,076	$193,764	$-17,279
2018	$319,727	$323,852	$213,254	$-4,125

THE CHAMBER OF COMMERCE FOR BAINBRIDGE AND DECATUR COUNTY