Clay County Chamber of Commerce Inc

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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

1960

Legal Domicile

Principal Officer

Jon Cantrell

Phone

9042642651

Tax Period

2024-10-01 to 2025-09-30

Clay County Chamber of Commerce Inc, founded in 1960, is a small nonprofit in the Community Improvement sector that reported $663K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. The organization ran a surplus of $102K, a strong 15% operating margin.

Mission

The Clay County Chamber of Commerce is a member-focused organization that supports and advocates for local businesses. The Chamber is a non-profit organization run by and for our members, many of whom are small business owners in Clay County, Florida. From educational programs for business owners to networking luncheons, the Clay Chamber is specifically designed to help local businesses prosper and thrive.

Program Service Accomplishments

Program 1

Expenses: $466,337 Revenue: $392,604

Expenses related to promotion of business within clay county service area and advocacy of small business issues.

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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 $256,541

Program Service Revenue $392,362

Investment Income $14,097

Other Revenue $242

TOTAL REVENUE $663,242

Expense Breakdown

Grants Paid $0

Salaries & Benefits $269,172

Fundraising Expenses $0

Program Expenses $466,337

Other Expenses $292,532

TOTAL EXPENSES $561,704

Year-over-Year Comparison

	2024	2023	Change
Revenue	$663,242	$608,222	+0.1%
Expenses	$561,704	$588,991	0.0%
Net Income	$101,538	$19,231	+4.3%

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

125

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
Patricia Evans	Past Chair	2.00	Officer Director	$0	$0	$0
Geraldine Hartin	General Counsel	2.00	Officer Director	$0	$0	$0
Walter Kloss	Chairman	2.00	Officer Director	$0	$0	$0
Tiffany Britts	Chair-Elect	2.00	Officer Director	$0	$0	$0
Bryan Walrath	Director	2.00	Director	$0	$0	$0
Andy Manthei	Director	2.00	Director	$0	$0	$0
Carol Saviak	Director	2.00	Director	$0	$0	$0
Andrea Crowder	Director	2.00	Director	$0	$0	$0
Bill Garrison	Director	2.00	Director	$0	$0	$0
Mike Glickman	Treasurer	2.00	Director	$0	$0	$0
Ed Hubel	Director	2.00	Director	$0	$0	$0
Nathan Potratz	Director	2.00	Director	$0	$0	$0
Chad Patrick	Director	2.00	Director	$0	$0	$0
Steve Kelley	Director	2.00	Director	$0	$0	$0
Greg Voss	Director	2.00	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	$663,242	$561,704	$589,087	$101,538
2024	$608,222	$588,991	$548,996	$19,231
2023	$624,235	$495,764	$427,995	$128,471
2022	$384,367	$466,312	$296,681	$-81,945
2021	$928,695	$741,516	$410,050	$187,179
2020	$477,134	$447,738	$286,238	$29,396
2018	$674,537	$702,203	$386,592	$-27,666