PADUCAH AREA CHAMBER OF COMMERCE (EIN 610210420) - 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

1938

Legal Domicile

Principal Officer

SANDRA WILSON

Phone

2704431746

Tax Period

2023-01-01 to 2023-12-31

PADUCAH AREA CHAMBER OF COMMERCE, founded in 1938, is a community nonprofit in the Community Improvement sector that reported $1.2M in total revenue in fiscal year 2023. Expenses of $1.1M left a modest 4% surplus.

Mission

THE PADUCAH CHAMBER OF COMMERCE IS A MEMBERSHIP OF DIVERSE ECONOMIC INTERESTS UNIFIED TO PROVIDE SERVICE TO ITS MEMBERS AND LEADERSHIP IN PROMOTING QUALITY ECONOMIC DEVELOPMENT IN PADUCAH, MCCRACKEN COUNTY, & THE REGION.

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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 (2023)

Revenue Breakdown

Contributions & Grants $362,356

Program Service Revenue $754,509

Investment Income $6,635

Other Revenue $58,527

TOTAL REVENUE $1,182,027

Expense Breakdown

Grants Paid $0

Salaries & Benefits $498,387

Fundraising Expenses $0

Program Expenses $723,531

Other Expenses $641,315

TOTAL EXPENSES $1,139,702

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,182,027	$1,121,752	+0.1%
Expenses	$1,139,702	$1,082,883	+0.1%
Net Income	$42,325	$38,869	+0.1%

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

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

$153,436

Total Directors

$153,436

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SANDRA WILSON	President & CEO	40.00	Officer Director	$153,436	$0	$153,436
JP KELLY	Director	5.00	Director	$0	$0	$0
CORY HICKS	Chairman	5.00	Officer Director	$0	$0	$0
MICHAEL KARNES	Treasurer	10.00	Officer Director	$0	$0	$0
ANTON REECE	Past Chair	10.00	Officer Director	$0	$0	$0
GEORGE BRAY	Director	5.00	Director	$0	$0	$0
STEVE CARTER	Director	5.00	Director	$0	$0	$0
DAN LAVIT	Director	5.00	Director	$0	$0	$0
CRAIG CLYMER	Director	5.00	Director	$0	$0	$0
TONY COPELAND	Director	5.00	Director	$0	$0	$0
WHITNEY DENSON	Director	5.00	Director	$0	$0	$0
JEFF DOUTHITT	Director	5.00	Director	$0	$0	$0
BOB EZELL	Director	5.00	Director	$0	$0	$0
JEFF PIERCE	Director	5.00	Director	$0	$0	$0
BARRY HATCHER	Director	5.00	Director	$0	$0	$0
BRAD HOUSMAN	Director	5.00	Director	$0	$0	$0
BRENT HOUSMAN	Director	5.00	Director	$0	$0	$0
TAMMY COURTNEY	Director	5.00	Director	$0	$0	$0
KATIE ENGLERT	Director	5.00	Director	$0	$0	$0
TERRI LUNDBERG	Director	5.00	Director	$0	$0	$0
JESSICA NEWMAN	Director	5.00	Director	$0	$0	$0
RACHEL RAYBURN	Director	5.00	Director	$0	$0	$0
CHRIS HILL	Director	5.00	Director	$0	$0	$0
GRETTA ROSE	Director	5.00	Director	$0	$0	$0
DENNIS ROULEAU	Director	5.00	Director	$0	$0	$0
DONALD SHIVELY	Director	5.00	Director	$0	$0	$0
BRADLEY SHOULTA	Director	5.00	Director	$0	$0	$0
SUSAN YBARZABAL	Director	5.00	Director	$0	$0	$0
ASHLEY JOHNSON	Director	5.00	Director	$0	$0	$0
MARK WORKMAN	Director	5.00	Director	$0	$0	$0
BRUCE WILCOX	Director	5.00	Director	$0	$0	$0
MICHAEL YUNGMANN	Director	5.00	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
2024	No data	No data	No data	No data
2023	$1,182,027	$1,139,702	$2,252,525	$42,325
2022	$1,121,752	$1,082,883	$829,446	$38,869
2021	$727,721	$805,179	$765,492	$-77,458
2020	$782,976	$789,994	$571,597	$-7,018
2019	$937,439	$913,943	$700,868	$23,496
2018	$925,801	$872,313	$683,820	$53,488

PADUCAH AREA CHAMBER OF COMMERCE