CHEROKEE COUNTY CHAMBER OF COMMERCE (EIN 581090796) - 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

1970

Legal Domicile

Principal Officer

PAM CARNES

Phone

7703450400

Tax Period

2023-01-01 to 2023-12-31

CHEROKEE COUNTY CHAMBER OF COMMERCE, founded in 1970, is a small nonprofit that reported $917K in total revenue in fiscal year 2023. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

ADVANCING THE ECONOMIC, INDIVIDUAL, PROFESSIONAL AND CIVIC WELFARE OF THE COUNTY

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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 $510,121

Program Service Revenue $406,156

Investment Income $0

Other Revenue $350

TOTAL REVENUE $916,627

Expense Breakdown

Grants Paid $0

Salaries & Benefits $511,803

Fundraising Expenses $94,100

Other Expenses $393,729

TOTAL EXPENSES $905,532

Year-over-Year Comparison

	2023	2022	Change
Revenue	$916,627	$841,143	+0.1%
Expenses	$905,532	$862,358	+0.1%
Net Income	$11,095	$-21,215	-1.5%

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

$158,715

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN STEVENS	IMMEDIATE PAST CHAIR	10.00	Officer Director	$0	$0	$0
TREY RAGSDALE	CHAIR	10.00	Officer Director	$0	$0	$0
ERIC REIN	CHAIR-ELECT	10.00	Officer Director	$0	$0	$0
PAMELA W CARNES	PRESIDENT & CEO	40.00	Key Emp	$158,715	$0	$158,715
VIC KNIGHT	VICE CHAIR	10.00	Officer Director	$0	$0	$0
JENNIFER PUCKETT	VICE CHAIR	10.00	Officer Director	$0	$0	$0
NEIL BLACKMAN	VICE CHAIR	10.00	Officer Director	$0	$0	$0
SARAH GAITHER	DIRECTOR	10.00	Director	$0	$0	$0
KSCOTT GORDON	DIRECTOR	10.00	Director	$0	$0	$0
JASON BLAKEY	DIRECTOR	10.00	Director	$0	$0	$0
DRMARK AROBERTS	DIRECTOR	10.00	Director	$0	$0	$0
MARK GODDARD	DIRECTOR	10.00	Director	$0	$0	$0
JANET READ-WELCH	DIRECTOR	10.00	Director	$0	$0	$0
DR BRIAN HIGHTOWER	DIRECTOR	10.00	Director	$0	$0	$0
KENDALL JONES	DIRECTOR	10.00	Director	$0	$0	$0
SJEFFREY RUSBRIDGE	DIRECTOR	10.00	Director	$0	$0	$0
SHERRY LOWE	DIRECTOR	10.00	Director	$0	$0	$0
DAVID SIMMONS	DIRECTOR	10.00	Director	$0	$0	$0
JENNIFER STANLEY	DIRECTOR	10.00	Director	$0	$0	$0
JAY STREET	DIRECTOR	10.00	Director	$0	$0	$0
DEBBIE UNDERKOFFLER	DIRECTOR	10.00	Director	$0	$0	$0
STEPHANIE VILLASENOR	DIRECTOR	10.00	Director	$0	$0	$0
JOHN WALLACE	DIRECTOR	10.00	Director	$0	$0	$0
DEBRA WILLIAMS	DIRECTOR	10.00	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
2024	No data	No data	No data	No data
2023	$916,627	$905,532	$793,773	$11,095
2022	$841,143	$862,358	$816,940	$-21,215
2021	$849,071	$736,921	$785,922	$112,150
2020	$687,459	$707,236	$702,230	$-19,777
2018	$813,574	$812,542	$750,712	$1,032

CHEROKEE COUNTY CHAMBER OF COMMERCE