THE CARROLL COUNTY CHAMBER OF COMMERCE (EIN 580654992) - 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

1987

Legal Domicile

Principal Officer

Tim Brewer

Phone

7708322446

Tax Period

2024-01-01 to 2024-12-31

THE CARROLL COUNTY CHAMBER OF COMMERCE, founded in 1987, is a small nonprofit that reported $689K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year.

Mission

BUILDING A STRONGER BUSINESS COMMUNITY BY ENGAGING PROGRESSIVE LEADERSHIP AND DIVERSE RESOURCES.

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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 $408,317

Program Service Revenue $195,437

Investment Income $17,680

Other Revenue $67,094

TOTAL REVENUE $688,528

Expense Breakdown

Grants Paid $0

Salaries & Benefits $308,315

Fundraising Expenses $44,091

Program Expenses $423,143

Other Expenses $361,362

TOTAL EXPENSES $669,677

Year-over-Year Comparison

	2024	2023	Change
Revenue	$688,528	$742,243	-0.1%
Expenses	$669,677	$567,668	+0.2%
Net Income	$18,851	$174,575	-0.9%

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

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
Tim Brewer	Chairman	1.00	Officer Director	$0	$0	$0
Dr Allison Key	Vice Chairman	1.00	Officer Director	$0	$0	$0
Jerome Johnston	Chairman Elect	1.00	Officer Director	$0	$0	$0
Karen Middlebook	Treasurer/CFO	1.00	Officer Director	$0	$0	$0
Jill Pierce	Past Chair	1.00	Director	$0	$0	$0
Jessica Ainsworth	Director	1.00	Director	$0	$0	$0
Stephen Allen	Director	1.00	Director	$0	$0	$0
Betty Cason	Director	1.00	Director	$0	$0	$0
Angela Brooks Dailey	Director	1.00	Director	$0	$0	$0
Eric Dalton	Director	1.00	Director	$0	$0	$0
Larry Earle	Director	1.00	Director	$0	$0	$0
Tommy Eason	Director	1.00	Director	$0	$0	$0
Laurie Fleck	Director	1.00	Director	$0	$0	$0
Lucy Gamble	Director	1.00	Director	$0	$0	$0
Kristi Garrett	Director	1.00	Director	$0	$0	$0
Christopher Johnson	Director	1.00	Director	$0	$0	$0
Melissa Singletary	Director	1.00	Director	$0	$0	$0
Angie Gentry	Director	1.00	Director	$0	$0	$0
Brandon Greba	Director	1.00	Director	$0	$0	$0
Michael C Johnson	Director	1.00	Director	$0	$0	$0
Debra Land	Director	1.00	Director	$0	$0	$0
Andrew Lovvorn	Director	1.00	Director	$0	$0	$0
Beau Luckie	Director	1.00	Director	$0	$0	$0
Leslie McPherson	Director	1.00	Director	$0	$0	$0
Christy Mendick	Director	1.00	Director	$0	$0	$0
Matt Miles	Director	1.00	Director	$0	$0	$0
PT Waldrep	Director	1.00	Director	$0	$0	$0
Michelle Morgan	Director	1.00	Director	$0	$0	$0
Will Ozier	Director	1.00	Director	$0	$0	$0
Dr Julie Post	Director	1.00	Director	$0	$0	$0
Tommy Muse	Director	1.00	Director	$0	$0	$0
Bekki Farish-Smith	Director	1.00	Director	$0	$0	$0
Amy Velasquez	Director	1.00	Director	$0	$0	$0
Eric Robinson	Director	1.00	Director	$0	$0	$0
Randy Saxon	Director	1.00	Director	$0	$0	$0
Brian Dill	CEO	30.00	Officer 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
2024	$688,528	$669,677	$1,270,340	$18,851
2023	$742,243	$567,668	$1,200,144	$174,575
2022	$549,184	$426,040	$1,024,762	$123,144
2021	$454,915	$435,683	$869,422	$19,232
2020	$405,134	$425,135	$878,006	$-20,001
2019	$533,483	$349,124	$980,744	$184,359
2018	$464,731	$412,996	$748,213	$51,735

THE CARROLL COUNTY CHAMBER OF COMMERCE