GREATER VALLEY AREA CHAMBER OF COMMERCE (EIN 630476419) - 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

1940

Legal Domicile

Principal Officer

CARRIE R WOOD

Phone

3346421411

Tax Period

2024-10-01 to 2025-09-30

GREATER VALLEY AREA CHAMBER OF COMMERCE, founded in 1940, is a small nonprofit that reported $213K in total revenue in fiscal year 2017. Expenses of $202K left a modest 5% surplus.

Mission

TO PROVIDE A CENTRAL ORGANIZATION FOR COMMUNITY BUSINESS LEADERS TO PROMOTE LOCAL BUSINESSES AND THE ECONOMY IN THE GREATER VALLEY AREA.

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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 $235,249

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $235,249

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,076

Fundraising Expenses $1,606

Program Expenses $137,122

Other Expenses $119,697

TOTAL EXPENSES $220,773

Year-over-Year Comparison

	2024	2023	Change
Revenue	$235,249	$217,572	+0.1%
Expenses	$220,773	$221,589	0.0%
Net Income	$14,476	$-4,017	-4.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTY STEPHENS	PRESIDENT	1.00	Officer Director	$0	$0	$0
ADRIAN HOLLOWAY	DIRECTOR	1.00	Director	$0	$0	$0
DAVID WILKERSON	DIRECTOR	1.00	Director	$0	$0	$0
EDDIE ADAMS	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JAKE KEY	DIRECTOR	1.00	Director	$0	$0	$0
RHONDA DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
ROB HULING	DIRECTOR	1.00	Director	$0	$0	$0
GREG NICHOLS	DIRECTOR	1.00	Director	$0	$0	$0
STAN NEWTON	DIRECTOR	1.00	Director	$0	$0	$0
CARRIE R WOOD	EXECUTIVE DIRECTOR	40.00	Officer Key Emp	$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	$235,249	$220,773	$298,425	$14,476
2024	$217,572	$221,589	$274,172	$-4,017
2023	$209,912	$231,501	$300,563	$-21,589
2022	$195,419	$207,104	$330,730	$-11,685
2021	$187,914	$180,123	$338,964	$7,791
2020	$200,923	$188,598	$322,819	$12,325
2019	$236,016	$211,254	$306,457	$24,762
2018	$213,057	$202,365	$306,456	$10,692

GREATER VALLEY AREA CHAMBER OF COMMERCE