CALHOUN COUNTY CHAMBER OF COMMERCE INC (EIN 630039375) - 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

1978

Legal Domicile

Principal Officer

KATHY GREGERSON

Phone

2562373536

Tax Period

2025-01-01 to 2025-12-31

CALHOUN COUNTY CHAMBER OF COMMERCE INC, founded in 1978, is a small nonprofit that reported $586K in total revenue in fiscal year 2018. Revenue decreased 12% compared to the prior year. The organization ran a surplus of $129K, a strong 22% operating margin.

Mission

PROMOTION OF THE ECONOMIC DEVELOPMENT OF CALHOUN COUNTY, ALABAMA

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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 (2025)

Revenue Breakdown

Contributions & Grants $311,807

Program Service Revenue $307,107

Investment Income $28,330

Other Revenue $50,433

TOTAL REVENUE $697,677

Expense Breakdown

Grants Paid $0

Salaries & Benefits $337,967

Fundraising Expenses $0

Program Expenses $353,320

Other Expenses $282,306

TOTAL EXPENSES $620,273

Year-over-Year Comparison

	2025	2024	Change
Revenue	$697,677	$633,690	+0.1%
Expenses	$620,273	$575,422	+0.1%
Net Income	$77,404	$58,268	+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

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHY GREGERSON	CHAIRMAN	1.00	Officer Director	$0	$0	$0
KERRY HOLT	CHAIR-ELECT	1.00	Officer Director	$0	$0	$0
KELLEY PEARCE	IMMEDIATE PA	1.00	Officer Director	$0	$0	$0
BRIDGETTE MAGOUIRK	TREASURER	1.00	Officer Director	$0	$0	$0
SHEA SNIDER MILLER	DIV. VICE CH	1.00	Officer Director	$0	$0	$0
SARAH WOOLMAKER	DIV. VICE CH	1.00	Officer Director	$0	$0	$0
LEIGHA CAUTHEN	DIV. VICE CH	1.00	Officer Director	$0	$0	$0
REBEKAH SINGLETON	DIV. VICE CH	1.00	Officer Director	$0	$0	$0
LESLIE LAPLANTE	DIV. VICE CH	1.00	Officer Director	$0	$0	$0
JEAN JAUDON	MEMBER	1.00	Director	$0	$0	$0
KEITH KELLEY	MEMBER	1.00	Director	$0	$0	$0
FALON HURST	MEMBER	1.00	Director	$0	$0	$0
SAM MOUSA	MEMBER	1.00	Director	$0	$0	$0
KELVIN WRIGHT	MEMBER	1.00	Director	$0	$0	$0
BOB HIRNEISEN	MEMBER	1.00	Director	$0	$0	$0
CRAIG BURGESS	MEMBER	1.00	Director	$0	$0	$0
HUNTER GENTRY	MEMBER	1.00	Director	$0	$0	$0
KANADA SIMMONS	MEMBER	1.00	Director	$0	$0	$0
JARROD SIMMONS	MEMBER	1.00	Director	$0	$0	$0
TOM BONDS	MEMBER	1.00	Director	$0	$0	$0
MATT WHITAKER	MEMBER	1.00	Director	$0	$0	$0
FAITH WRIGHT	MEMBER	1.00	Director	$0	$0	$0
CHAD MOORE	MEMBER	1.00	Director	$0	$0	$0
LISA MORALES	MEMBER	1.00	Director	$0	$0	$0
WILLIAM WHALEY	MEMBER	1.00	Director	$0	$0	$0
JESSICA SMITH	MEMBER	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	$697,677	$620,273	$1,940,707	$77,404
2024	$633,690	$575,422	$1,859,274	$58,268
2023	$672,384	$558,696	$1,797,091	$113,688
2022	$622,867	$530,965	$1,682,966	$91,902
2021	$611,745	$479,480	$1,617,670	$132,265
2020	$516,567	$403,935	$1,484,079	$112,632
2019	$615,159	$523,317	$1,394,889	$91,842
2018	$586,429	$457,764	$1,276,807	$128,665

CALHOUN COUNTY CHAMBER OF COMMERCE INC