CLEVELANDBRADLEY CHAMBER OF COMMERCE (EIN 620162970) - 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

Principal Officer

MIKE GRIFFIN

Phone

4234726587

Tax Period

2024-01-01 to 2024-12-31

CLEVELANDBRADLEY CHAMBER OF COMMERCE is a community nonprofit that reported $1.7M in total revenue in fiscal year 2024. Revenue surged 33% from the prior year, signaling strong growth momentum. The organization ran a surplus of $270K, a strong 16% operating margin.

Mission

BUSINESS DEVELOPMENT OF MEMBERS, ECONOMIC GROWTH OF THE REGION, AND THE HIGHEST QUALITY OF LIFE FOR THE OCOEE REGION OF TENNESSEE.

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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 $1,080,598

Program Service Revenue $481,924

Investment Income $41,734

Other Revenue $86,449

TOTAL REVENUE $1,690,705

Expense Breakdown

Grants Paid $0

Salaries & Benefits $852,999

Fundraising Expenses $0

Program Expenses $881,136

Other Expenses $567,730

TOTAL EXPENSES $1,420,729

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,690,705	$1,268,885	+0.3%
Expenses	$1,420,729	$1,241,056	+0.1%
Net Income	$269,976	$27,829	+8.7%

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

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

$161,772

Total Directors

$161,772

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MIKE GRIFFIN	PRESIDENT &	40.00	Officer Director	$141,517	$20,255	$161,772
BRITTANY KATZ	CHAIRMAN	1.00	Officer Director	$0	$0	$0
BRIAN WORKMAN	CHAIR-ELECT	1.00	Officer Director	$0	$0	$0
KENNETH DEW	TREASURER	1.00	Officer Director	$0	$0	$0
GREG CALFEE	VICE CHAIR C	1.00	Officer Director	$0	$0	$0
STEPHANIE LINKOUS	VICE CHAIR T	1.00	Officer Director	$0	$0	$0
PAMELA NELSON	VICE CHAIR I	1.00	Officer Director	$0	$0	$0
LYLE SWARTZEL	VICE CHAIR P	1.00	Officer Director	$0	$0	$0
KEVIN BROOKS	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDY BAKER	BOARD MEMBER	1.00	Director	$0	$0	$0
D GARY DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
SHANE GRIFFITH	BOARD MEMBER	1.00	Director	$0	$0	$0
ERIC HOZOURI	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHANIE COOKE	BOARD MEMBER	1.00	Director	$0	$0	$0
JIM THARP	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRISTOPHER BECKSTRAND	BOARD MEMBER	1.00	Director	$0	$0	$0
BENJAMIN BERRY	BOARD MEMBER	1.00	Director	$0	$0	$0
BRITTANY CANNON	BOARD MEMBER	1.00	Director	$0	$0	$0
JOELLE CAVITT	BOARD MEMBER	1.00	Director	$0	$0	$0
ANDREW DINSMORE	BOARD MEMBER	1.00	Director	$0	$0	$0
BRADLEY HUDSON	BOARD MEMBER	1.00	Director	$0	$0	$0
KEISHA PARKS	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN SQUIRES	BOARD MEMBER	1.00	Director	$0	$0	$0
BRAD MOFFETT	BOARD MEMBER	1.00	Director	$0	$0	$0
BOB MCINTIRE	BOARD MEMBER	1.00	Director	$0	$0	$0
DIANA JACKSON	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF JONES	BOARD MEMBER	1.00	Director	$0	$0	$0
LISA LOVELACE	BOARD MEMBER	1.00	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	$1,690,705	$1,420,729	$1,646,232	$269,976
2023	$1,268,885	$1,241,056	$1,357,018	$27,829
2022	$1,419,150	$1,216,583	$1,311,163	$202,567
2021	$1,443,932	$1,137,124	$1,115,297	$306,808
2020	$1,084,947	$1,082,805	$809,270	$2,142
2019	$1,318,608	$1,183,070	$813,591	$135,538

CLEVELANDBRADLEY CHAMBER OF COMMERCE