Towns County Chamber of Commerce (EIN 581752784) - 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

Tina Denton

Tax Period

2022-01-01 to 2022-12-31

Towns County Chamber of Commerce, founded in 1986, is a small nonprofit that reported $177K in total revenue in fiscal year 2022. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $162K left a modest 8% surplus.

Mission

The Towns County Chamber of Commerce is organized to advance civic, commercial, industrial and agricultural interest of Towns County, Georgia

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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 (2022)

Revenue Breakdown

Contributions & Grants $176,521

Program Service Revenue $0

Investment Income $14

Other Revenue $0

TOTAL REVENUE $176,535

Expense Breakdown

Grants Paid $0

Salaries & Benefits $97,450

Fundraising Expenses $0

Program Expenses $27,842

Other Expenses $64,197

TOTAL EXPENSES $161,647

Year-over-Year Comparison

	2022	2021	Change
Revenue	$176,535	$156,729	+0.1%
Expenses	$161,647	$146,916	+0.1%
Net Income	$14,888	$9,813	+0.5%

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

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

$43,051

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Candace Lee	Past President	60.00	Key Emp	$33,878	$0	$33,878
Julie Payne	President	60.00	Key Emp	$9,173	$0	$9,173
Ryan Snow	Director	1.00	Director	$0	$0	$0
Melanie Hughes	Director	1.00	Director	$0	$0	$0
Sue Deering	Director	1.00	Director	$0	$0	$0
Alex King	Director	1.00	Director	$0	$0	$0
Jeanne Winter	Director	1.00	Director	$0	$0	$0
Bobbie Thompson	Director	1.00	Director	$0	$0	$0
Joe Ruf	Director	1.00	Director	$0	$0	$0
Kendra Garrett	Director	1.00	Director	$0	$0	$0
Mel Halfon	Director	1.00	Director	$0	$0	$0
Chuck Frisk	Director	1.00	Director	$0	$0	$0
Charles Burton	Director	1.00	Director	$0	$0	$0
John Clemens	Treasurer	5.00	Officer	$0	$0	$0
Tina Denton	Chairperson	5.00	Officer	$0	$0	$0
Crystal Eller	Secretary	5.00	Officer	$0	$0	$0
Drew Backer	Chairperson Elect	3.00	Officer	$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
2022	$176,535	$161,647	$95,136	$14,888
2021	$156,729	$146,916	$82,310	$9,813
2020	$136,404	$147,877	$74,629	$-11,473
2019	$182,066	$184,302	$80,247	$-2,236
2018	$201,353	$195,857	$84,669	$5,496

Towns County Chamber of Commerce