EFFINGHAM COUNTY CHAMBER OF COMMERCE (EIN 581693129) - 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

1986

Legal Domicile

Principal Officer

KIMBERLY ILER

Phone

9127543301

Tax Period

2024-07-01 to 2025-06-30

EFFINGHAM COUNTY CHAMBER OF COMMERCE, founded in 1986, is a small nonprofit that reported $388K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $375K left a modest 3% surplus.

Mission

TO BENEFIT THE BUSINESS ENVIRONMENT FOR BUSINESS PATRONS IN EFFINGHAM 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 (2024)

Revenue Breakdown

Contributions & Grants $189,055

Program Service Revenue $144,349

Investment Income $3,496

Other Revenue $51,450

TOTAL REVENUE $388,350

Expense Breakdown

Grants Paid $0

Salaries & Benefits $161,821

Fundraising Expenses $0

Program Expenses $91,676

Other Expenses $213,367

TOTAL EXPENSES $375,188

Year-over-Year Comparison

	2024	2023	Change
Revenue	$388,350	$354,771	+0.1%
Expenses	$375,188	$393,630	0.0%
Net Income	$13,162	$-38,859	-1.3%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SUSAN KRAUT	CEO	40.00		$101,646	$0	$101,646
KIMBERLY ILER	Chairman	1.00	Officer Director	$0	$0	$0
BRETT BENNETT	Director	1.00	Officer Director	$0	$0	$0
TAMELA MYDELL	Treasurer	1.00	Officer Director	$0	$0	$0
GLEN MONTGOMERY	Secretary	1.00	Officer Director	$0	$0	$0
TROY ALLEN	Director	1.00	Officer Director	$0	$0	$0
KATRINA BOSTICK	Director	1.00	Director	$0	$0	$0
ASHLEY BOYETTE	Director	1.00	Director	$0	$0	$0
DAROLD FORD	Director	1.00	Director	$0	$0	$0
DUSTIN FORD	Director	1.00	Director	$0	$0	$0
TONI HARDIGREE	Director	1.00	Director	$0	$0	$0
BRANDT HERNDON	Director	1.00	Director	$0	$0	$0
MICKEY DANIELL	Director	1.00	Director	$0	$0	$0
ROBERT VAZQUEZ	Director	1.00	Director	$0	$0	$0
TRE WILKINS	Director	1.00	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
2025	$388,350	$375,188	$154,141	$13,162
2024	$354,771	$393,630	$150,488	$-38,859
2023	$283,795	$321,522	$180,115	$-37,727
2022	$245,111	$254,063	$217,842	$-8,952
2021	$188,896	$151,722	$226,794	$37,174
2020	$230,979	$167,774	$192,365	$63,205
2019	$223,748	$211,504	$128,180	$12,244

EFFINGHAM COUNTY CHAMBER OF COMMERCE