Chester 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

Formation Year

1976

Legal Domicile

Principal Officer

Blake Hopper

Phone

7319895222

Tax Period

2024-07-01 to 2025-06-30

Chester County Chamber of Commerce, founded in 1976, is a small nonprofit that reported $161K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year. Expenses of $186K exceeded revenue, resulting in a 16% operating deficit.

Mission

Promotion of economic growth and quality of life in Chester County, Tennessee.

Program Service Accomplishments

Program 1

Expenses: $186,302

To promote community growth by encouraging industrial development and community involvement

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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 $66,050

Program Service Revenue $82,007

Investment Income $1,020

Other Revenue $11,852

TOTAL REVENUE $160,929

Expense Breakdown

Grants Paid $75

Salaries & Benefits $98,243

Fundraising Expenses $0

Program Expenses $186,302

Other Expenses $87,984

TOTAL EXPENSES $186,302

Year-over-Year Comparison

	2024	2023	Change
Revenue	$160,929	$187,744	-0.1%
Expenses	$186,302	$167,348	+0.1%
Net Income	$-25,373	$20,396	-2.2%

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

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

$58,243

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Craig Casey	Director/President	2.00	Officer Director	$0	$0	$0
Heather Girffin	Director/Vice Presid	1.00	Officer Director	$0	$0	$0
Stephanie Ray	Director/Sec-Treas	1.00	Officer Director	$0	$0	$0
Chastity Burns	Director/Past Pres	1.00	Officer Director	$0	$0	$0
Alecia Weaver	Director	1.00	Director	$0	$0	$0
Michelle Little	Director	1.00	Director	$0	$0	$0
Eric Miller	Director	1.00	Director	$0	$0	$0
Melanie Stoll	Director	1.00	Director	$0	$0	$0
Heather Girffin	Director	1.00	Director	$0	$0	$0
Tony Hysmith	Director	1.00	Director	$0	$0	$0
Mark Barber	Director	1.00	Director	$0	$0	$0
Tiffany Jones	Director	1.00	Director	$0	$0	$0
Tanya Oliver	Director	1.00	Director	$0	$0	$0
Renee Phelps	Director	1.00	Director	$0	$0	$0
Neal Smith	Director	1.00	Director	$0	$0	$0
Stacy Smith	Director	1.00	Director	$0	$0	$0
Barry Hutcherson	Director	1.00	Director	$0	$0	$0
Terry Bell	Director	1.00	Director	$0	$0	$0
Troy Kilzer II	Director	1.00	Director	$0	$0	$0
Blake Hopper	Executive Director	40.00	Officer	$58,243	$0	$58,243

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	$160,929	$186,302	$210,128	$-25,373
2024	$187,744	$167,348	$244,853	$20,396
2023	$188,497	$156,495	$209,427	$32,002
2022	$187,762	$145,568	$130,589	$42,194
2021	$180,798	$180,417	$97,662	$381
2020	$173,814	$170,454	$88,309	$3,360
2019	$202,294	$196,778	$71,010	$5,516
2018	$159,474	$146,933	$62,864	$12,541