MERCER CHAMBER OF COMMERCE INC (EIN 610718045) - 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

1950

Legal Domicile

Principal Officer

JILL CUTLER

Phone

8597342365

Tax Period

2023-01-01 to 2023-12-31

MERCER CHAMBER OF COMMERCE INC, founded in 1950, is a small nonprofit that reported $159K in total revenue in fiscal year 2023. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $185K exceeded revenue, resulting in a 16% operating deficit.

Mission

THE CHAMBER PROVIDES A NEWSLETTER AND EDUCATION PROGRAMS FOR MEMBERS, OPPORTUNITIES FOR NETWORKING AND BRINGS NEW BUSINESS AND INDUSTRY TO THE AREA.

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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 $67,674

Program Service Revenue $91,568

Investment Income $0

Other Revenue $0

TOTAL REVENUE $159,242

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,767

Fundraising Expenses $0

Program Expenses $156,505

Other Expenses $122,294

TOTAL EXPENSES $185,061

Year-over-Year Comparison

	2023	2022	Change
Revenue	$159,242	$223,465	-0.3%
Expenses	$185,061	$216,527	-0.1%
Net Income	$-25,819	$6,938	-4.7%

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
TONI PRESTON	DIRECTOR	1.00	Director	$0	$0	$0
HANNAH LAWSON	DIRECTOR	1.00	Director	$0	$0	$0
TIA TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
BETH OWENS-WALL	DIRECTOR	1.00	Director	$0	$0	$0
TERESIA LOGAN	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT MATHENY	DIRECTOR	1.00	Director	$0	$0	$0
OLIVIA RAY	DIRECTOR	1.00	Director	$0	$0	$0
BRAD SELBY	DIRECTOR	1.00	Director	$0	$0	$0
RICK SCHOEBEL	DIRECTOR	1.00	Director	$0	$0	$0
APRIL BURGESS	DIRECTOR	1.00	Director	$0	$0	$0
MIKE INMAN	DIRECTOR	1.00	Director	$0	$0	$0
DAVID COLEMAN	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTIE WELCH	PRESIDENT	1.00	Officer	$0	$0	$0
SCOTT HAMMON	VICE PRESIDENT	1.00	Officer	$0	$0	$0
MATTHEW MOORE	TREASURER	1.00	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
2023	$159,242	$185,061	$74,094	$-25,819
2022	$223,465	$216,527	$100,769	$6,938

MERCER CHAMBER OF COMMERCE INC