Lake Guntersville Chamber of Commerce Inc (EIN 630317763) - 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

1975

Legal Domicile

Principal Officer

Morri Yancy

Phone

2565823612

Tax Period

2025-01-01 to 2025-12-31

Lake Guntersville Chamber of Commerce Inc, founded in 1975, is a small nonprofit that reported $358K in total revenue in fiscal year 2020. Revenue grew 17% year-over-year, indicating healthy expansion. The organization ran a surplus of $88K, a strong 25% operating margin.

Mission

To provide the typical services expected of a Chamber of Commerce.

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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 $441,417

Program Service Revenue $0

Investment Income $6,659

Other Revenue $0

TOTAL REVENUE $448,076

Expense Breakdown

Grants Paid $0

Salaries & Benefits $247,427

Fundraising Expenses $0

Program Expenses $493,627

Other Expenses $246,210

TOTAL EXPENSES $493,637

Year-over-Year Comparison

	2025	2024	Change
Revenue	$448,076	$427,258	+0.0%
Expenses	$493,637	$453,069	+0.1%
Net Income	$-45,561	$-25,811	+0.8%

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

$103,593

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Morri Yancy	President	40.00	Officer	$103,593	$0	$103,593
Jason Kirkland	Past Chair	0.00	Director	$0	$0	$0
Bay Chandler	Chair	0.00	Officer Director	$0	$0	$0
John Davis Rollings	Chair Elect	0.00	Officer Director	$0	$0	$0
Brian Vaughn	Board Member	0.00	Director	$0	$0	$0
Lindsey Walker	Board Member	0.00	Officer Director	$0	$0	$0
Lisa Baker	1st Vice-Chair	0.00	Officer Director	$0	$0	$0
Charlene Irazarry	2nd Vice-Chair	0.00	Officer Director	$0	$0	$0
Amy Kimmons	Vice-Chair Fina	0.00	Officer Director	$0	$0	$0
John Myers	Board Member	0.00	Director	$0	$0	$0
Rudy Cornelius	Board Member	0.00	Director	$0	$0	$0
Carson Ray	Board Member	0.00	Director	$0	$0	$0
Chris Rush	Board Member	0.00	Director	$0	$0	$0
Kelsey Yoste	Board Member	0.00	Director	$0	$0	$0
Melissa Walker	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	$448,076	$493,637	$449,790	$-45,561
2024	$427,258	$453,069	$492,668	$-25,811
2023	$418,516	$446,107	$516,268	$-27,591
2022	$387,780	$347,335	$544,897	$40,445
2021	$366,894	$301,318	$505,481	$65,576
2020	$357,715	$269,675	$436,754	$88,040

Lake Guntersville Chamber of Commerce Inc