WHITE COUNTY CHAMBER OF COMMERCE (EIN 581638825) - 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

1984

Legal Domicile

Principal Officer

BETH TRUELOVE

Tax Period

2024-07-01 to 2025-06-30

WHITE COUNTY CHAMBER OF COMMERCE, founded in 1984, is a small nonprofit that reported $584K in total revenue in fiscal year 2024. The organization ran a surplus of $161K, a strong 28% operating margin.

Mission

TO ENHANCE THE ECONOMIC VITALITY AND QUALITY OF LIFE IN WHITE COUNTY WITH THE VISION OF HELPING EVERY BUSINESS GROW, ENCOURAGING AND RECRUITING NEW AND QUALITY INDUSTRY TO THE COMMUNITY THAT WILL CREATE JOB OPPORTUNITIES FOR THOSE IN THE WHITE COUNTY COMMUNITY.

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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 $525,771

Program Service Revenue $0

Investment Income $58,017

Other Revenue $0

TOTAL REVENUE $583,788

Expense Breakdown

Grants Paid $0

Salaries & Benefits $187,932

Fundraising Expenses $0

Program Expenses $237,630

Other Expenses $235,299

TOTAL EXPENSES $423,231

Year-over-Year Comparison

	2024	2023	Change
Revenue	$583,788	$589,459	0.0%
Expenses	$423,231	$430,449	0.0%
Net Income	$160,557	$159,010	+0.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KELLY WILIKINS	PAST CHAIR	2.00	Officer Director	$0	$0	$0
JASON HOGAN	DIRECTOR	2.00	Officer Director	$0	$0	$0
JILL BAUGHMAN	DIRECTOR	2.00	Officer Director	$0	$0	$0
RYAN TUCKER	TREASURER	4.00	Officer Director	$0	$0	$0
WILLIAM CRUMPTON	DIRECTOR	2.00	Officer Director	$0	$0	$0
JOHN SELL	DIRECTOR	2.00	Director	$0	$0	$0
JEREMY SPRADLIN	DIRECTOR	2.00	Director	$0	$0	$0
BLAKE BOGGS	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH GOAD	DIRECTOR	2.00	Director	$0	$0	$0
TOM OBRYANT	DIRECTOR	2.00	Director	$0	$0	$0
BETH TRUELOVE	PRESIDENT	40.00	Officer Director	$0	$0	$0
JESSICA BARTON	CHAIR	4.00	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
2025	$583,788	$423,231	$1,109,467	$160,557
2024	$589,459	$430,449	$964,651	$159,010
2023	$469,510	$353,963	$797,086	$115,547
2022	$440,828	$290,978	$678,439	$149,850
2021	$381,565	$214,475	$521,498	$167,090
2019	$345,784	$267,480	$301,570	$78,304
2018	$382,175	$336,428	$232,632	$45,747

WHITE COUNTY CHAMBER OF COMMERCE