SOUTH BALDWIN CHAMBER OF COMMERCE (EIN 630241394) - 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

1944

Legal Domicile

Principal Officer

TRAVIS VALENTINE

Phone

2519433291

Tax Period

2024-01-01 to 2024-12-31

SOUTH BALDWIN CHAMBER OF COMMERCE, founded in 1944, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2018. Revenue surged 21% from the prior year, signaling strong growth momentum.

Mission

TO PROVIDE INFORMATION, LEADERSHIP, AND VISION FOR THE BUSINESS COMMUNITY.

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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 $412,355

Program Service Revenue $683,750

Investment Income $2,837

Other Revenue $26,930

TOTAL REVENUE $1,125,872

Expense Breakdown

Grants Paid $0

Salaries & Benefits $716,358

Fundraising Expenses $0

Program Expenses $892,141

Other Expenses $457,822

TOTAL EXPENSES $1,174,180

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,125,872	$1,438,643	-0.2%
Expenses	$1,174,180	$1,440,786	-0.2%
Net Income	$-48,308	$-2,143	+21.5%

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

310

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

$134,602

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STED MCCOLLOUGH	SPECIAL DIRECTOR	5.00	Director	$0	$0	$0
PENNY GROUX	CHAIRMAN	5.00	Officer Director	$0	$0	$0
CHAD WATKINS	DIRECTOR	5.00	Director	$0	$0	$0
ALEX SWEENEY	DIRECTOR	5.00	Director	$0	$0	$0
TOM KNIGHTEN	DIRECTOR	5.00	Director	$0	$0	$0
TIM LOWER	DIRECTOR	5.00	Director	$0	$0	$0
STEVE KIRKPATRICK	DIRECTOR	5.00	Director	$0	$0	$0
MATT PUGH	DIRECTOR	5.00	Director	$0	$0	$0
MARK INGRAM	SECRETARY/TREASURER	5.00	Officer Director	$0	$0	$0
MARGARET ROLEY	DIRECTOR	5.00	Director	$0	$0	$0
JOSH DUPLANTIS	DIRECTOR	5.00	Director	$0	$0	$0
JIM BIBBY	CHAIR-ELECT	5.00	Officer Director	$0	$0	$0
DEWANE HAYES	DIRECTOR	5.00	Director	$0	$0	$0
CHRISTINA WEAVER	DIRECTOR	5.00	Director	$0	$0	$0
BRYAN WOLFE	DIRECTOR	5.00	Director	$0	$0	$0
BETH GENDLER	DIRECTOR	5.00	Director	$0	$0	$0
KRISTIN HELLMICH	DIRECTOR	5.00	Director	$0	$0	$0
JIMMY FAZEKAS	DIRECTOR	5.00	Director	$0	$0	$0
CASEY BUCKER	DIRECTOR	5.00	Director	$0	$0	$0
ANDREW CLAY	DIRECTOR	5.00	Director	$0	$0	$0
KEN STYRON	DIRECTOR	5.00	Director	$0	$0	$0
BELINDA TUCKER	DIRECTOR	5.00	Director	$0	$0	$0
BAILEY STITT	DIRECTOR	5.00	Director	$0	$0	$0
BRITTANY MILLER	DIRECTOR	5.00	Director	$0	$0	$0
ANDY GROSS	DIRECTOR	5.00	Director	$0	$0	$0
BOB MCDOWELL	DIRECTOR	5.00	Director	$0	$0	$0
TONY MARZULLO	DIRECTOR	5.00	Director	$0	$0	$0
RICHARD DAYTON	DIRECTOR	5.00	Director	$0	$0	$0
DONNA WATTS	PRESIDENT	40.00	Officer	$126,794	$7,808	$134,602

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	$1,125,872	$1,174,180	$1,009,657	$-48,308
2023	$1,438,643	$1,440,786	$1,284,277	$-2,143
2022	$1,432,701	$1,377,192	$1,389,166	$55,509
2021	$2,011,719	$1,514,023	$1,221,962	$497,696
2020	$1,537,944	$1,465,638	$371,851	$72,306
2019	$1,564,451	$1,314,240	$383,954	$250,211
2018	$1,105,306	$1,132,683	$142,344	$-27,377

SOUTH BALDWIN CHAMBER OF COMMERCE