Shelbyville-Bedford County Chamber (EIN 620417185) - 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

1948

Legal Domicile

Principal Officer

Ashley House

Tax Period

2023-01-01 to 2023-12-31

Shelbyville-Bedford County Chamber, founded in 1948, is a small nonprofit that reported $161K in total revenue in fiscal year 2023. Expenses of $145K left a modest 10% surplus.

Mission

Enhancing the quality of life of residents of Shelbyville and Bedford County Tennessee by seeking growth in the industrial sector of the local economy and through activities promoting the areas attributes.

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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 $87,838

Program Service Revenue $64,834

Investment Income $31

Other Revenue $8,576

TOTAL REVENUE $161,279

Expense Breakdown

Grants Paid $3,424

Salaries & Benefits $65,992

Fundraising Expenses $0

Program Expenses $49,489

Other Expenses $75,870

TOTAL EXPENSES $145,286

Year-over-Year Comparison

	2023	2022	Change
Revenue	$161,279	$162,901	0.0%
Expenses	$145,286	$166,407	-0.1%
Net Income	$15,993	$-3,506	-5.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Shannon Dowden	Director	1.00	Director	$0	$0	$0
Warren Wells	Vice Chair	1.00	Director	$0	$0	$0
Carroll OBrien	Authorized Signer	0.00	Director	$0	$0	$0
Charlie Williams	Director	1.00	Director	$0	$0	$0
Josh Lynch	Director	1.00	Officer	$0	$0	$0
Daniel Watson	Treasurer	1.00	Officer	$0	$0	$0
Ashley House	Board Chair	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
2023	$161,279	$145,286	$95,499	$15,993
2022	$162,901	$166,407	$81,342	$-3,506
2021	$163,783	$201,624	$112,308	$-37,841
2020	$217,657	$439,868	$122,930	$-222,211
2019	$340,928	$277,404	$345,589	$63,524
2018	$342,021	$317,062	$282,600	$24,959

Shelbyville-Bedford County Chamber