FANNIN COUNTY CHAMBER OF COMMERCE (EIN 581545746) - 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

CHRISTIE GRIBBLE

Phone

7066325680

Tax Period

2023-01-01 to 2023-12-31

FANNIN COUNTY CHAMBER OF COMMERCE, founded in 1987, is a community nonprofit that reported $3.4M in total revenue in fiscal year 2023.

Mission

PROVIDE SERVICES TO MEMBERS, SUPPORT EXISTING BUSINESS, AND PROMOTE POSITIVE ECONOMIC DEVELOPMENT AND TOURISM WHILE PRESERVING OUR COMMUNITY'S NATURAL RESOURCES AND ENHANCING OUR CITIZENS QUALITY OF LIFE.

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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 $3,275,273

Program Service Revenue $40,155

Investment Income $7,808

Other Revenue $45,454

TOTAL REVENUE $3,368,690

Expense Breakdown

Grants Paid $0

Salaries & Benefits $551,165

Fundraising Expenses $0

Other Expenses $2,757,953

TOTAL EXPENSES $3,309,118

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,368,690	$3,256,117	+0.0%
Expenses	$3,309,118	$2,392,223	+0.4%
Net Income	$59,572	$863,894	-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

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

$101,492

Total Directors

$101,492

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTIE GRIBBLE	PRESIDENT	40.00	Officer Director	$101,492	$0	$101,492
SUZANNE DAVENPORT	CHAIRMAN	8.00	Officer Director	$0	$0	$0
TROY SHIRBROUN	SECRETARY	2.00	Officer Director	$0	$0	$0
E RENE BIDEZ	TREASURER	4.00	Officer Director	$0	$0	$0
MANDA GWATNEY	CHAIRMAN ELE	2.00	Officer Director	$0	$0	$0
RICHARD YORK	PAST CHAIRMA	2.00	Officer Director	$0	$0	$0
BRANDON HOLLOWAY	DIRECTOR	0.50	Director	$0	$0	$0
SANDY OTT	DIRECTOR	0.50	Director	$0	$0	$0
KEVIN PANTER	DIRECTOR	0.50	Director	$0	$0	$0
GEORGE ROBINSON	DIRECTOR	0.50	Director	$0	$0	$0
BETSY HYDE	DIRECTOR	0.50	Director	$0	$0	$0
ANGIE CALLAHAN	DIRECTOR	0.50	Director	$0	$0	$0
DOUG MIRACLE	DIRECTOR	0.50	Director	$0	$0	$0
AJ PETRILLO	DIRECTOR	0.50	Director	$0	$0	$0
DUSTIN QUEEN	DIRECTOR	0.50	Director	$0	$0	$0
GREG OWENBY	DIRECTOR	0.50	Director	$0	$0	$0
TAMMIE MASON	DIRECTOR	0.50	Director	$0	$0	$0
CANDACE YOUNGBERG	DIRECTOR	0.50	Director	$0	$0	$0
JAMIE HENSLEY	EX-OFFICIO	0.50	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	$3,368,690	$3,309,118	$4,137,318	$59,572
2022	$3,256,117	$2,392,223	$4,340,704	$863,894
2021	$3,081,245	$2,098,609	$2,964,683	$982,636
2020	$1,649,426	$1,223,883	$2,193,473	$425,543
2019	$1,280,609	$1,263,257	$1,839,756	$17,352
2018	$1,345,262	$1,353,923	$1,832,539	$-8,661

FANNIN COUNTY CHAMBER OF COMMERCE