CHAMBER OF COMMERCE ELIZABETHTON-C… - Form 990 Financial Data

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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

1945

Legal Domicile

Principal Officer

JOYBELLA MCCRAY

Phone

4235423649

Tax Period

2022-07-01 to 2023-06-30

CHAMBER OF COMMERCE ELIZABETHTON-CARTER COUNTY, founded in 1945, is a small nonprofit in the Community Improvement sector that reported $449K in total revenue in fiscal year 2022. Revenue decreased 17% compared to the prior year. Expenses of $550K exceeded revenue, resulting in a 22% operating deficit.

Mission

PROVIDE EVENTS AND SERVICES TO HELP PROVIDE LEADERSHIP AND SERVICE TO THE LOCAL CITY AND COUNTY BUSINESS COMMUNITY.

Program Service Accomplishments

Program 1

PROVIDE EVENTS AND SERVICES TO HELP PROVIDE LEADERSHIP AND SERVICE TO THE LOCAL CITY AND COUNTY 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 (2022)

Revenue Breakdown

Contributions & Grants $97,004

Program Service Revenue $366,192

Investment Income $-13,845

Other Revenue $5

TOTAL REVENUE $449,356

Expense Breakdown

Grants Paid $0

Salaries & Benefits $170,802

Fundraising Expenses $0

Other Expenses $379,531

TOTAL EXPENSES $550,333

Year-over-Year Comparison

	2022	2021	Change
Revenue	$449,356	$538,562	-0.2%
Expenses	$550,333	$399,489	+0.4%
Net Income	$-100,977	$139,073	-1.7%

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

$51,179

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOY MCCRAY	EXECUTIVE DIRECTOR	40.00	Director Highest	$51,179	$0	$51,179
KATHY CAMPBELL	PRESIDENT	0.00	Director	$0	$0	$0
SARAH PRESNELL	TREASURER	0.00	Officer Director	$0	$0	$0
DANNY O'QUINN	BOARD MEMBER	0.00	Officer Director	$0	$0	$0
CHERI CLAVIER	BOARD MEMBER	0.00	Director	$0	$0	$0
GINGER HOLDREN	BOARD MEMBER	0.00	Director	$0	$0	$0
SHARON SHEPPARD	BOARD MEMBER	0.00	Director	$0	$0	$0
JENNI GREENWELL	BOARD MEMBER	0.00	Director	$0	$0	$0
FRANKIE BAILEY	PRESIDENT-ELECT	0.00	Director	$0	$0	$0
MYRA NEWMAN	BOARD MEMBER	0.00	Director	$0	$0	$0
B J GOTT	BOARD MEMBER	0.00	Director	$0	$0	$0
KIM SCHLAGER	BOARD MEMBER	0.00	Director	$0	$0	$0
LAUREN CLEMSON	BOARD MEMBER	0.00	Director	$0	$0	$0
JUSTIN SMITH	BOARD MEMBER	0.00	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
2023	$449,356	$550,333	$180,914	$-100,977
2022	$538,562	$399,489	$286,051	$139,073
2021	$340,860	$323,298	$158,579	$17,562
2020	$214,934	$254,784	$103,431	$-39,850
2019	$281,847	$287,179	$140,075	$-5,332
2018	$259,865	$294,831	$143,999	$-34,966

CHAMBER OF COMMERCE ELIZABETHTON-CARTER COUNTY