LOUDON CO CHAMBER OF COMMERCEINC (EIN 621356750) - 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

1988

Legal Domicile

Principal Officer

RODNEY GRUGIN

Phone

8654582067

Tax Period

2025-01-01 to 2025-12-31

LOUDON CO CHAMBER OF COMMERCEINC, founded in 1988, is a small nonprofit in the Community Improvement sector that reported $606K in total revenue in fiscal year 2025. Expenses of $692K exceeded revenue, resulting in a 14% operating deficit.

Mission

TO PROMOTE LOUDON COUNTY AS A GOOD BUSINESS ENVIRONMENT

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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 $436,219

Program Service Revenue $78,907

Investment Income $40,664

Other Revenue $50,513

TOTAL REVENUE $606,303

Expense Breakdown

Grants Paid $0

Salaries & Benefits $296,497

Fundraising Expenses $79,378

Program Expenses $543,175

Other Expenses $395,512

TOTAL EXPENSES $692,009

Year-over-Year Comparison

	2025	2024	Change
Revenue	$606,303	$573,800	+0.1%
Expenses	$692,009	$618,999	+0.1%
Net Income	$-85,706	$-45,199	+0.9%

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

$100,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOARDS OF DIRECTORS ATTACHED	BOARD MEMBER	N/A	Officer	$0	$0	$0
RODNEY GRUGIN	CHAMBER EXEC	40.00	Officer	$100,000	$0	$100,000

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	$606,303	$692,009	$1,487,760	$-85,706
2024	$573,800	$618,999	$1,555,919	$-45,199
2023	$552,160	$697,212	$1,586,669	$-145,052
2022	$1,838,182	$609,642	$1,726,015	$1,228,540
2021	$423,103	$359,779	$497,350	$63,324
2020	$412,082	$384,049	$434,405	$28,033
2019	$381,772	$389,008	$406,366	$-7,236
2018	$467,647	$448,939	$412,917	$18,708

LOUDON CO CHAMBER OF COMMERCEINC