CALHOUN COUNTY CHAMBER OF COMMERCE FOUNDATION INC (EIN 581955552) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1979

Legal Domicile

Principal Officer

TERRY SMILEY

Phone

2567707246

Tax Period

2025-01-01 to 2025-12-31

CALHOUN COUNTY CHAMBER OF COMMERCE FOUNDATION INC, founded in 1979, is a small nonprofit that reported $357K in total revenue in fiscal year 2018. Expenses of $326K left a modest 9% surplus.

Mission

INDUSTRIAL RECRUITING AND DEVELOPMENT FOR CALHOUN COUNTY

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $383,366

Program Service Revenue $0

Investment Income $245

Other Revenue $0

TOTAL REVENUE $383,611

Expense Breakdown

Grants Paid $0

Salaries & Benefits $141,190

Fundraising Expenses $0

Program Expenses $385,071

Other Expenses $243,881

TOTAL EXPENSES $385,071

Year-over-Year Comparison

	2025	2024	Change
Revenue	$383,611	$451,558	-0.2%
Expenses	$385,071	$426,697	-0.1%
Net Income	$-1,460	$24,861	-1.1%

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

N/A

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
TERRY SMILEY	CHAIR	1.00	Officer Director	$0	$0	$0
KELLEY PEARCE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
GREG KERNION	TREASURER	1.00	Officer Director	$0	$0	$0
KATHY GREGERSON	INCOMING CHA	1.00	Officer Director	$0	$0	$0
DICK ANDERSON	MEMBER AT LA	1.00	Director	$0	$0	$0
BARRY E ROBERTSON	MEMBER AT LA	1.00	Director	$0	$0	$0
GLORIA FLOYD	MEMBER AT LA	1.00	Director	$0	$0	$0
DON KILLINGSWORTH	MEMBER AT LA	1.00	Director	$0	$0	$0
LARRY DEASON	MEMBER AT LA	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	$383,611	$385,071	$183,646	$-1,460
2024	$451,558	$426,697	$211,161	$24,861
2023	$347,150	$384,963	$263,473	$-37,813
2022	$309,483	$362,971	$177,616	$-53,488
2021	$449,004	$458,981	$256,779	$-9,977
2020	$275,759	$298,350	$208,287	$-22,591
2019	$386,723	$387,946	$239,274	$-1,223
2018	$357,475	$325,876	$262,327	$31,599

CALHOUN COUNTY CHAMBER OF COMMERCE FOUNDATION INC