SHOALS CHAMBER OF COMMERCE INC (EIN 630943956) - 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

1986

Legal Domicile

Principal Officer

CAITLIN BURNS

Phone

2567644661

Tax Period

2024-04-01 to 2025-03-31

SHOALS CHAMBER OF COMMERCE INC, founded in 1986, is a small nonprofit that reported $749K in total revenue in fiscal year 2020. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $157K, a strong 21% operating margin.

Mission

THE CHAMBER'S GOAL IS TO PROVIDE LEADERSHIP FOR A STRONG AND POSITIVE BUSINESS ENVIRONMENT THAT ENABLE NEW AND EXISTING BUSINESSES TO FLOURISH. AS AN ORGANIZATION OF INFLUENCE, OUR PROGRAMS AND SERVICES ENABLE SHOALS AREA BUSINESSES TO STRIVE FOR SUCCESS.

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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 $727,489

Program Service Revenue $0

Investment Income $5,631

Other Revenue $0

TOTAL REVENUE $733,120

Expense Breakdown

Grants Paid $0

Salaries & Benefits $604,637

Fundraising Expenses $0

Other Expenses $336,196

TOTAL EXPENSES $940,833

Year-over-Year Comparison

	2024	2023	Change
Revenue	$733,120	$820,821	-0.1%
Expenses	$940,833	$915,830	+0.0%
Net Income	$-207,713	$-95,009	+1.2%

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
CAITLIN BURNS	PRESIDENT	40.00	Officer	$0	$0	$0
CHRIS ESTAVE	CHAIR-ELECT	N/A	Officer	$0	$0	$0
ASHLEY MORROW	CHAIR	N/A	Officer	$0	$0	$0
GREG TAYLOR	2ND CHAIR-EL	N/A	Officer	$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	$733,120	$940,833	$1,503,364	$-207,713
2024	$820,821	$915,830	$1,685,833	$-95,009
2023	$727,686	$838,393	$1,783,693	$-110,707
2022	$678,560	$876,519	$1,894,345	$-197,959
2021	$748,662	$591,190	$2,091,338	$157,472

SHOALS CHAMBER OF COMMERCE INC