CULLMAN AREA CHAMBER OF COMMERCE (EIN 630384727) - 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

1947

Legal Domicile

Principal Officer

JOHANNA ORR

Phone

2567340454

Tax Period

2024-03-01 to 2025-02-28

CULLMAN AREA CHAMBER OF COMMERCE, founded in 1947, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2018. Revenue grew 18% year-over-year, indicating healthy expansion.

Mission

BUSINESS LEAGUE

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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 $638,954

Program Service Revenue $392,680

Investment Income $1,478

Other Revenue $0

TOTAL REVENUE $1,033,112

Expense Breakdown

Grants Paid $0

Salaries & Benefits $272,620

Fundraising Expenses $0

Program Expenses $308,927

Other Expenses $549,804

TOTAL EXPENSES $822,424

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,033,112	$910,917	+0.1%
Expenses	$822,424	$963,366	-0.1%
Net Income	$210,688	$-52,449	-5.0%

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

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

$95,000

Total Directors

$95,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BEN HARRISON	BD. OF DIR.	1.00	Director	$0	$0	$0
JOSH WIGGINS	CHAIRMAN	4.00	Director	$0	$0	$0
CHARLIE NESMITH	BD. OF DIR.	1.00	Director	$0	$0	$0
BRAD WILSON	BD. OF DIR.	1.00	Director	$0	$0	$0
BILLY TROUTMAN	CHAIR ELECT	1.00	Director	$0	$0	$0
JENNIFER BRANHAM	BD. OF DIR.	1.00	Director	$0	$0	$0
LINDSEY DOSSEY	BD. OF DIR.	1.00	Director	$0	$0	$0
MEGAN NEIGHBORS	BD. OF DIR.	1.00	Director	$0	$0	$0
JEREMY WOOTTEN	BD. OF DIR.	1.00	Director	$0	$0	$0
ADAM HARRISON	BD. OF DIR.	1.00	Director	$0	$0	$0
ALLISON BRIGHT	BD. OF DIR.	1.00	Director	$0	$0	$0
WESTCOAT FREE	BD. OF DIR.	1.00	Director	$0	$0	$0
WARREN MCGRIFF	BD. OF DIR.	1.00	Director	$0	$0	$0
JOHANNA ORR	PRESIDENT	40.00	Officer Director	$95,000	$0	$95,000

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	$1,033,112	$822,424	$1,285,121	$210,688
2024	$910,917	$963,366	$1,070,246	$-52,449
2023	$968,555	$1,007,745	$1,117,540	$-39,190
2022	$864,140	$874,474	$1,221,302	$-10,334
2021	$1,002,949	$804,031	$1,148,697	$198,918
2020	$1,141,156	$1,194,266	$1,177,181	$-53,110
2019	$1,325,612	$1,374,844	$1,390,920	$-49,232

CULLMAN AREA CHAMBER OF COMMERCE