THE CHAMBER OF COMMERCE (EIN 620252764) - 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

1944

Legal Domicile

Principal Officer

ROBERT CANTLER

Phone

4234618000

Tax Period

2024-01-01 to 2024-12-31

THE CHAMBER OF COMMERCE, founded in 1944, is a small nonprofit that reported $653K in total revenue in fiscal year 2024.

Mission

TO PROMOTE THE COMMUNITY OF JOHNSON CITY, TN AND TO HIGHLIGHT VARIOUS INDUSTRIES OF 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 (2024)

Revenue Breakdown

Contributions & Grants $581,117

Program Service Revenue $0

Investment Income $79

Other Revenue $72,146

TOTAL REVENUE $653,342

Expense Breakdown

Grants Paid $0

Salaries & Benefits $476,318

Fundraising Expenses $19,052

Program Expenses $28,197

Other Expenses $184,888

TOTAL EXPENSES $661,206

Year-over-Year Comparison

	2024	2023	Change
Revenue	$653,342	$682,100	0.0%
Expenses	$661,206	$685,989	0.0%
Net Income	$-7,864	$-3,889	+1.0%

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

225

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

$170,832

Total Directors

$170,832

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAN ELDRIDGE	DIRECTOR	0.25	Director	$0	$0	$0
KRISTIE HAMMONDS	DIRECTOR	0.25	Director	$0	$0	$0
ALLEN RAU	DIRECTOR	0.25	Director	$0	$0	$0
GREG CHIPPER HARVEY	DIRECTOR	0.25	Director	$0	$0	$0
KIM HALL	CHAIR-ELECT	0.25	Officer Director	$0	$0	$0
SCOTT LEDFORD	IMMEDIATE PAST CHAIR	0.25	Officer Director	$0	$0	$0
JENNY LOCKMILLER	DIRECTOR	0.25	Director	$0	$0	$0
RYAN MCKINNEY	DIRECTOR	0.25	Director	$0	$0	$0
KENNY SHAFER	DIRECTOR	0.25	Director	$0	$0	$0
ADAM WALTON	DIRECTOR	0.25	Director	$0	$0	$0
ROBERT CANTLER	PRESIDENT/CEO	40.00	Officer Director	$136,500	$34,332	$170,832
KEDDRAIN BOWEN	CHAIR	0.25	Officer Director	$0	$0	$0
MATT BOLTON	DIRECTOR	0.25	Director	$0	$0	$0
JOHN GOETZ	DIRECTOR	0.25	Director	$0	$0	$0
DAVID NELSON	TREASURER/SECRETARY	0.25	Officer Director	$0	$0	$0
JEFF DYKES	DIRECTOR	0.25	Director	$0	$0	$0
ASHLEY GRINDSTAFF	DIRECTOR	0.25	Director	$0	$0	$0
PHILIP BAKER	EX-OFFICIO	0.25	Director	$0	$0	$0
KEVIN BROYLES	DIRECTOR	0.25	Director	$0	$0	$0
JOHN HUNTER	DIRECTOR	0.25	Director	$0	$0	$0
DR SUSAN MCCRACKEN	DIRECTOR	0.25	Director	$0	$0	$0
MICHAEL SIMPSON	DIRECTOR	0.25	Director	$0	$0	$0
ROB CAMPBELL	DIRECTOR	0.25	Director	$0	$0	$0
CRAIG CHARLES	DIRECTOR	0.25	Director	$0	$0	$0
DON KIEFER	DIRECTOR	0.25	Director	$0	$0	$0
NATHAN FARNOR	DIRECTOR	0.25	Director	$0	$0	$0
ABBY ZUNIGA	DIRECTOR	0.25	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	$653,342	$661,206	$111,555	$-7,864
2023	$682,100	$685,989	$155,792	$-3,889
2022	$545,797	$632,950	$195,946	$-87,153
2021	$566,906	$495,324	$155,279	$71,582
2020	$1,293,593	$1,365,435	$482,187	$-71,842
2019	$1,283,756	$1,255,439	$537,363	$28,317
2018	$1,012,375	$1,151,475	$541,149	$-139,100

THE CHAMBER OF COMMERCE