BELL BUCKLE CHAMBER OF COMMERCE (EIN 621464383) - 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

2002

Legal Domicile

Principal Officer

HEATHER WILLIAMS

Phone

9318087640

Tax Period

2023-06-01 to 2024-05-31

BELL BUCKLE CHAMBER OF COMMERCE, founded in 2002, is a small nonprofit in the Community Improvement sector that reported $180K in total revenue in fiscal year 2023. Revenue surged 22% from the prior year, signaling strong growth momentum. The organization ran a surplus of $86K, a strong 48% operating margin.

Mission

PROMOTION OF THE BUSINESS, COMMERCIAL, AND TOURISM ENVIRONMENTS IN AND AROUND THE TOWN OF BELL BUCKLE AND BEDFORD 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 (2023)

Revenue Breakdown

Contributions & Grants $36,546

Program Service Revenue $3,350

Investment Income $0

Other Revenue $139,788

TOTAL REVENUE $179,684

Expense Breakdown

Grants Paid $11,861

Salaries & Benefits $23,869

Fundraising Expenses $0

Other Expenses $57,510

TOTAL EXPENSES $93,240

Year-over-Year Comparison

	2023	2022	Change
Revenue	$179,684	$147,706	+0.2%
Expenses	$93,240	$85,502	+0.1%
Net Income	$86,444	$62,204	+0.4%

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

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

$10,000

Total Directors

$10,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HEATHER WILLIAMS	PRESIDENT	10.00	Officer Director	$5,000	$0	$5,000
CATHY MERCER	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
JULIE BEASLEY	TREASURER	10.00	Officer Director	$0	$0	$0
JENNY HUNT	CO-TREASURER	10.00	Officer Director	$5,000	$0	$5,000
RACHEL LANE	SECRETARY	5.00	Officer Director	$0	$0	$0
DONNA STAIGER	DIRECTOR	5.00	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	No data	No data	No data	No data
2024	$179,684	$93,240	$723,972	$86,444
2023	$147,706	$85,502	$660,737	$62,204
2022	$101,343	$54,889	$620,476	$46,454

BELL BUCKLE CHAMBER OF COMMERCE