FRANKLIN COUNTY CHAMBER OF COMMERCE (EIN 621211474) - 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

1979

Legal Domicile

Phone

9319676788

Tax Period

2025-01-01 to 2025-12-31

FRANKLIN COUNTY CHAMBER OF COMMERCE, founded in 1979, is a small nonprofit that reported $294K in total revenue in fiscal year 2025. Expenses of $331K exceeded revenue, resulting in a 13% operating deficit.

Mission

FRANKLIN COUNTY CHAMBER PROVIDES LEADERSHIP IN THE COMMUNITY AS AN ADVOCATE FOR BUSINESS AND A PLACE WHERE THE PRIVATE SECTOR CAN FACILITATE CHANGE AND PROMOTE QUALITY GROWTH.

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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 $175,122

Program Service Revenue $106,384

Investment Income $1,749

Other Revenue $10,335

TOTAL REVENUE $293,590

Expense Breakdown

Grants Paid $0

Salaries & Benefits $164,597

Fundraising Expenses $0

Program Expenses $278,876

Other Expenses $166,638

TOTAL EXPENSES $331,235

Year-over-Year Comparison

	2025	2024	Change
Revenue	$293,590	$280,949	+0.0%
Expenses	$331,235	$305,546	+0.1%
Net Income	$-37,645	$-24,597	+0.5%

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

$75,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CASSIE FULMER	EXECUTIVE DIRECTOR	40.00	Key Emp	$75,000	$0	$75,000
BRENDA CANNON	PRESIDENT	3.00	Officer Director	$0	$0	$0
STACY CARTER	TREASURER	3.00	Officer Director	$0	$0	$0
SCOTT BRADFORD	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
LEAH HARRELL	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN LEWIS	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
KIM MASON	DIRECTOR	1.00	Director	$0	$0	$0
GINA MOORE	DIRECTOR	1.00	Director	$0	$0	$0
PENNY MORRIS	SECRETARY	1.00	Officer Director	$0	$0	$0
WILLIAM ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
JIMMY DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
GEORGE DYER	DIRECTOR	1.00	Director	$0	$0	$0
CLAYTON KNIGHT	DIRECTOR	1.00	Director	$0	$0	$0
NICK KNIGHT	DIRECTOR	1.00	Director	$0	$0	$0
JON BELL	DIRECTOR	1.00	Director	$0	$0	$0
ADAM MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
ANDRIA TAYLOR	DIRECTOR	1.00	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
2025	$293,590	$331,235	$305,236	$-37,645
2024	$280,949	$305,546	$336,749	$-24,597
2023	$279,838	$235,095	$359,466	$44,743
2022	$272,723	$226,599	$279,916	$46,124
2021	$234,860	$135,973	$271,596	$98,887
2021	$234,860	$171,737	$235,832	$63,123
2020	$247,802	$185,235	$174,331	$62,567

FRANKLIN COUNTY CHAMBER OF COMMERCE