DECATUR-MORGAN COUNTY CHAMBER OF COMMERCE (EIN 630039360) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1931

Legal Domicile

Principal Officer

CRYSTAL BROWN

Phone

2563535312

Tax Period

2024-04-01 to 2025-03-31

DECATUR-MORGAN COUNTY CHAMBER OF COMMERCE, founded in 1931, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2018. Revenue grew 18% year-over-year, indicating healthy expansion. Expenses of $1.1M left a modest 5% surplus.

Mission

ADVANCING THE CIVIC, COMMERCIAL, INDUSTRIAL, AGRICULTURAL, EDUCATIONAL, ENVIRONMENTAL, RECREATIONAL, AND CULTURAL INTERESTS OF DECATUR AND MORGAN COUNTY.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $1,129,587

Program Service Revenue $212,105

Investment Income $31,223

Other Revenue $7,100

TOTAL REVENUE $1,380,015

Expense Breakdown

Grants Paid $0

Salaries & Benefits $627,569

Fundraising Expenses $168,072

Other Expenses $456,583

TOTAL EXPENSES $1,084,152

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,380,015	$1,358,011	+0.0%
Expenses	$1,084,152	$1,127,474	0.0%
Net Income	$295,863	$230,537	+0.3%

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

225

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

$138,230

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRYSTAL BROWN	PRESDIENT &	40.00	Officer	$138,230	$0	$138,230
LEIFJE DIGHTON	CHAIR ELECT	N/A	Director	$0	$0	$0
JOHN HOLLEY	CHAIR OF BOA	N/A	Director	$0	$0	$0
KENT LAWRENCE	TREASURER	N/A	Officer Director	$0	$0	$0
KELLI POWERS	V-CHAIR, COM	N/A	Director	$0	$0	$0
JAMIE REEVES	CHAIR OF BOA	N/A	Director	$0	$0	$0
LINDA SCHOO	V-CHAIR, DEV	N/A	Director	$0	$0	$0
CINDY SMITH	V-CHAIR, LEA	N/A	Director	$0	$0	$0
TERRY WELCH	V-CHAIR, TAL	N/A	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	$1,380,015	$1,084,152	$1,630,850	$295,863
2024	$1,358,011	$1,127,474	$1,303,422	$230,537
2023	$1,152,901	$1,096,582	$1,033,790	$56,319
2022	$1,088,547	$926,899	$998,265	$161,648
2021	$876,670	$754,194	$952,458	$122,476
2020	$1,083,208	$992,601	$883,344	$90,607
2019	$1,118,452	$1,058,329	$788,074	$60,123

DECATUR-MORGAN COUNTY CHAMBER OF COMMERCE