WOODFORD COUNTY 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

Phone

8598735122

Tax Period

2025-01-01 to 2025-12-31

WOODFORD COUNTY CHAMBER OF COMMERCE is a small nonprofit that reported $475K in total revenue in fiscal year 2025. Revenue surged 20% from the prior year, signaling strong growth momentum. The organization ran a surplus of $176K, a strong 37% operating margin.

Mission

TO PROMOTE LOCAL BUSINESS AND TOURISM

Program Service Accomplishments

Program 1

TO PROMOTE LOCAL BUSINESS AND TOURISM

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $466,701

Investment Income $8,111

Other Revenue $0

TOTAL REVENUE $474,812

Expense Breakdown

Grants Paid $0

Salaries & Benefits $162,400

Fundraising Expenses $0

Other Expenses $136,053

TOTAL EXPENSES $298,453

Year-over-Year Comparison

	2025	2024	Change
Revenue	$474,812	$395,271	+0.2%
Expenses	$298,453	$272,910	+0.1%
Net Income	$176,359	$122,361	+0.4%

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

N/A

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	Role	Reportable Comp	Other Comp	Total
JERI HARTLEY	Director	Director	$0	$0	$0
CASSIE PRATHER	Director	Director	$0	$0	$0
THOMAS DAVENPORT	Director	Director	$0	$0	$0
TIM CULVER	Director	Director	$0	$0	$0
MICHAEL MOORMAN	Director	Director	$0	$0	$0
EMILY DOWNEY	President & CEO	Director	$0	$0	$0
ELAINE BAILEY	Director	Director	$0	$0	$0
LAURIE DOROUGH	Director	Director	$0	$0	$0
MEGAN FIELDS	Director	Director	$0	$0	$0
CASSIE BARNES	Director	Director	$0	$0	$0
CHRISTIE ECKERLINE	Director	Officer	$0	$0	$0
AUSTIN WINGATE	Chairman	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
2025	$474,812	$298,453	$595,575	$176,359
2024	No data	No data	No data	No data
2023	$335,202	$246,124	$290,347	$89,078
2022	$259,025	$218,682	$199,263	$40,343
2021	$207,989	$147,976	$119,984	$60,013