MANCHESTER 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

Principal Officer

KATY RIDDLE

Phone

9317287365

Tax Period

2025-01-01 to 2025-12-31

MANCHESTER CHAMBER OF COMMERCE is a small nonprofit that reported $360K in total revenue in fiscal year 2025. Expenses of $336K left a modest 7% surplus.

Mission

THE MANCHESTER CHAMBER OF COMMERCE IS PROACTIVE PARTNER WITH CITIZENS AND LOCAL GOVERNMENT TO PROMOTE BUSINESS ACTIVITY IN THE GREATER MANCHESTER, TN AREA WITH A FOCUS ON RECRUITING, PROMOTING AND CELEBRATING BUSINESS IN THE LOCAL AREA.

Program Service Accomplishments

Program 1

Expenses: $15,979 Revenue: $21,914

THE MANCHESTER AREA CHAMBER OF COMMERCE CONDUCTS MEMBERSHIP MEETINGS AND LUNCHEONS TO FOSTER NETWORKING AMONG AREA BUSINESSES.

Program 2

Expenses: $21,283 Revenue: $37,130

THE MANCHESTER CHAMBER OF COMMERCE HOLDS AN ANNUAL INSTALLATION BENEFIT FOR NEW MEMBERS AND EXISTING MEMBERS FOR A NETWORKING AND SOCIAL EVENT.

Program 3

Expenses: $11,520 Revenue: $28,390

THE MANCHESTER AREA CHAMBER OF COMMERCE CONDUCTS AND PARTICIPATES IN RETAIL CONFERENCES TO ENCOURAGE AND FOSTER RETAIL BUSINESSES TO LOCATE IN THE MANCHESTER COMMUNITY.

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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 (2025)

Revenue Breakdown

Contributions & Grants $265,302

Program Service Revenue $87,434

Investment Income $7,039

Other Revenue $0

TOTAL REVENUE $359,775

Expense Breakdown

Grants Paid $0

Salaries & Benefits $163,881

Fundraising Expenses $28,712

Program Expenses $177,962

Other Expenses $171,985

TOTAL EXPENSES $335,866

Year-over-Year Comparison

	2025	2024	Change
Revenue	$359,775	$367,676	0.0%
Expenses	$335,866	$303,964	+0.1%
Net Income	$23,909	$63,712	-0.6%

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
MATT CARR	CHAIR	1.00	Officer	$0	$0	$0
CHRISTY LEWIS	CHAIR ELECT	1.00	Officer	$0	$0	$0
HOLLY PETERSON	PAST CHAIR	1.00	Officer	$0	$0	$0
BILLY LEVENGOOD	SECRETARY	1.00	Officer	$0	$0	$0
VANESSA GREEN	TREASURER	1.00	Officer	$0	$0	$0
BRENT PARSLEY	SERGEANT AT	1.00	Officer	$0	$0	$0
MATT HARRIS	PARLIMATERII	1.00	Officer	$0	$0	$0
JOSH CARNEY	DIRECTOR	1.00	Officer	$0	$0	$0
CLYDE MATTHEWS	DIRECTOR	1.00	Officer	$0	$0	$0
BEN MCTIER	DIRECTOR	1.00	Officer	$0	$0	$0
ALLISON MOORE	DIRECTOR	1.00	Officer	$0	$0	$0
STACY MOLALES	DIRECTOR	1.00	Officer	$0	$0	$0
WILL PAINTER	DIRECTOR	1.00	Officer	$0	$0	$0
RICHARD SKIPPER	DIRECTOR	1.00	Officer	$0	$0	$0
MISTY WEAVER	DIRECTOR	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
2025	$359,775	$335,866	$479,091	$23,909
2024	No data	No data	No data	No data
2023	$355,962	$298,862	$441,174	$57,100
2022	$222,953	$230,382	$382,724	$-7,429
2021	$244,786	$178,985	$421,456	$65,801
2018	$231,517	$192,989	$351,461	$38,528