SOUTH SHELBY CHAMBER OF COMMERCE

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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

1993

Legal Domicile

Principal Officer

JACQUELINE GARDNER

Phone

2056699075

Tax Period

2018-01-01 to 2018-12-31

SOUTH SHELBY CHAMBER OF COMMERCE, founded in 1993, is a micro nonprofit that reported $83K in total revenue in fiscal year 2018. Revenue fell 33% from the prior year — a significant decline worth monitoring. Expenses of $97K exceeded revenue, resulting in a 17% operating deficit.

Mission

THE MISSION OF THE CHAMBER OF COMMERCE IS TO SUPPORT STABILITY AND GROWTH FOR THE BUSINESS COMMUNITY BY PROVIDING SERVICES THAT CULTIVATE ECONOMIC EXPANSION AND DEVELOPMENT. THE CHAMBER IS BUSINESS AND PROFESSIONAL PEOPLE WORKING TOGETHER TO MAKE THE COMMUNITY THE BEST.

Program Service Accomplishments

Program 1

THE CHAMBER SERVES THE SUPPORTED BUSINESS AREA BY PROMOTING THE LOCAL COMMUNITY BUSINESSES AND ASSISTING THE MUNICIPAL GOVERNMENTS TO RECRUIT NEW BUSINESSESSES TO THE AREA. THE CHAMBER PROVIDES AN...

THE CHAMBER SERVES THE SUPPORTED BUSINESS AREA BY PROMOTING THE LOCAL COMMUNITY BUSINESSES AND ASSISTING THE MUNICIPAL GOVERNMENTS TO RECRUIT NEW BUSINESSESSES TO THE AREA. THE CHAMBER PROVIDES AN AVENUE BY THE MONTHLY MEETINGS ALLOWING THE MEMBERS TO NETWORK, SHARE EXPERIENCES AND LESSONS LEARNED, AND LISTEN TO SPEAKERS OF GENERAL INTEREST TO THE BUSINESS 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 (2018)

Revenue Breakdown

Contributions & Grants $58,935

Program Service Revenue $27,067

Investment Income $-605

Other Revenue $-2,282

TOTAL REVENUE $83,115

Expense Breakdown

Grants Paid $0

Salaries & Benefits $6,403

Fundraising Expenses $0

Other Expenses $90,779

TOTAL EXPENSES $97,182

Year-over-Year Comparison

	2018	2017	Change
Revenue	$83,115	$124,289	-0.3%
Expenses	$97,182	$107,867	-0.1%
Net Income	$-14,067	$16,422	-1.9%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CASEY MORRIS	IMMEDIATE PA	3.00	Officer Director	$0	$0	$0
JACQUELINE GARDNER	CHAIR	3.00	Officer Director	$0	$0	$0
CARL ORSO	DIRECTOR	3.00	Officer Director	$0	$0	$0
CAROL BRUSER	DIRECTOR	3.00	Officer Director	$0	$0	$0
LEE DORILL	VICE-CHAIR D	3.00	Officer Director	$0	$0	$0
DANIEL HOLMES	DIRECTOR	3.00	Director	$0	$0	$0
WAYNE JOHNSEY	DIRECTOR	3.00	Director	$0	$0	$0
KATHY COPELAND	DIRECTOR	3.00	Director	$0	$0	$0
LEISHA HARRIS	VICE CHAIR G	3.00	Officer Director	$0	$0	$0
KELLY T FOX	DIRECTOR	3.00	Director	$0	$0	$0
SHANE ARMSTRONG	DIRECTOR	3.00	Director	$0	$0	$0
DR JAY CRISMAN	DIRECTOR	3.00	Director	$0	$0	$0
KEVIN MORRIS	CHAIRELECT V	3.00	Officer Director	$0	$0	$0
CHRIS CANO	DIRECTOR	3.00	Director	$0	$0	$0
STEPEHN DAWKINS	DIRECTOR	3.00	Director	$0	$0	$0
JOHNNY CARCIOPPOLO	DIRECTOR	3.00	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
2018	$83,115	$97,182	No data	$-14,067