SAVANNAH HARDIN CO CHAMBER OF COMMERCE (EIN 620605087) - 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

1986

Legal Domicile

Phone

7319252363

Tax Period

2024-07-01 to 2025-06-30

SAVANNAH HARDIN CO CHAMBER OF COMMERCE, founded in 1986, is a small nonprofit that reported $139K in total revenue in fiscal year 2024. Expenses of $169K exceeded revenue, resulting in a 22% operating deficit.

Mission

TO ADVANCE PUBLIC AWARENESS OF COMMERICAL AND INDUSTRIAL ATTRIBUTES OF THE CITY OF SAVANNAH AND HARDIN COUNTY 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 $121,300

Program Service Revenue $7,467

Investment Income $101

Other Revenue $9,693

TOTAL REVENUE $138,561

Expense Breakdown

Grants Paid $0

Salaries & Benefits $73,910

Fundraising Expenses $55,831

Program Expenses $3,956

Other Expenses $94,963

TOTAL EXPENSES $168,873

Year-over-Year Comparison

	2024	2023	Change
Revenue	$138,561	N/A	N/A
Expenses	$168,873	N/A	N/A
Net Income	$-30,312	N/A	N/A

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
BRENT MCDONALD	TREASURER	1.00	Officer	$0	$0	$0
RAINES SMITH	BOARD MEMBER	1.00	Officer	$0	$0	$0
TY JONES	PRESIDENT	1.00	Officer	$0	$0	$0
SARAH SHIRLEY	VICE PRESIDENT	1.00	Officer	$0	$0	$0
LARAE SLIGER	SECRETARY	1.00	Officer	$0	$0	$0
PAIGE A MCLEAN	BOARD MEMBER	1.00	Officer	$0	$0	$0
CHAD HUMPHRIES	BOARD MEMBER	1.00	Officer	$0	$0	$0
BLAKE WALLEY	BOARD MEMBER	1.00	Officer	$0	$0	$0
KEVIN MCCASLAND	BOARD MEMBER	1.00	Officer	$0	$0	$0
DELANEY J TIMBERMAN	EXECUTIVE DIRECTOR	40.00	Key Emp	$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	$138,561	$168,873	$64,450	$-30,312
2024	$142,127	$148,180	$87,086	$-6,053
2023	$141,221	$143,823	$97,239	$-2,602
2022	$146,294	$125,549	$101,714	$20,745
2021	$101,756	$111,163	$80,933	$-9,407
2020	$119,884	$133,199	$90,340	$-13,315
2019	$147,735	$128,699	$103,655	$19,036

SAVANNAH HARDIN CO CHAMBER OF COMMERCE