RAINSVILLE CHAMBER OF COMMERCE INC (EIN 631082197) - 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

2000

Legal Domicile

Principal Officer

HOPE ETHERTON

Phone

2566387800

Tax Period

2024-01-01 to 2024-12-31

RAINSVILLE CHAMBER OF COMMERCE INC, founded in 2000, is a micro nonprofit in the Community Improvement sector that reported $84K in total revenue in fiscal year 2018.

Mission

THE ORGANIZATION WILL OPERATE AS A LOCAL CHAMBER OF COMMERCE. IT'S PURPOSE IS TO FACILITATE BUSINESS INTERACTION WITHIN THE AREA TO MAKE THE CITY AND GEOGRAPHIC AREA ATTRACTIVE TO SHOPPERS, LOCAL RESIDENTS AND POTENTIAL RETIREES. THE ORGANIZATION WILL PROMOTE THE CITY OF RAINSVILLE TO ALL BUSINESSES WITHIN THE AREA AND ENCOURAGE CUSTOMERS TO SHOP LOCAL AND SPEND THEIR DOLLARS IN THE LOCAL ECONOMY. THE ORGANIZATION WILL PERFORM WHAT A NORMAL LOCAL CHAMBER OF COMMERCE WOULD BE EXPECTED TO DO.

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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 $59,250

Program Service Revenue $0

Investment Income $98

Other Revenue $35,697

TOTAL REVENUE $95,045

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $87,870

TOTAL EXPENSES $87,870

Year-over-Year Comparison

	2024	2023	Change
Revenue	$95,045	$102,965	-0.1%
Expenses	$87,870	$88,808	0.0%
Net Income	$7,175	$14,157	-0.5%

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

N/A

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
EMILY BOZARTH	DIRECTOR	N/A	Director	$0	$0	$0
KIM BRYAN	DIRECTOR	N/A	Director	$0	$0	$0
MELODIE COKER	DIRECTOR	N/A	Director	$0	$0	$0
LISA CROWDER	VICE PRESIDE	N/A	Director	$0	$0	$0
HOPE ETHERTON	PRESIDENT	N/A	Director	$0	$0	$0
TIA GAINES	DIRECTOR	N/A	Director	$0	$0	$0
CADEN HAMBY	DIRECTOR	N/A	Director	$0	$0	$0
RANDI JOHNSON	DIRECTOR	N/A	Director	$0	$0	$0
MARY LANCE	DIRECTOR	N/A	Director	$0	$0	$0
LOGAN MCKENZIE	DIRECTOR	N/A	Director	$0	$0	$0
PENNY OGLE	DIRECTOR	N/A	Director	$0	$0	$0
DANIEL PACE	DIRECTOR	N/A	Director	$0	$0	$0
LINDA SAMPLES	DIRECTOR	N/A	Director	$0	$0	$0
DEBBIE TEAL	DIRECTOR	N/A	Director	$0	$0	$0
DEANA WIGLEY	DIRECTOR	N/A	Director	$0	$0	$0
VICKI WILLIAMS	DIRECTOR	N/A	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	No data	No data	No data	No data
2024	$95,045	$87,870	$54,264	$7,175
2023	$102,965	$88,808	$47,089	$14,157
2022	$80,611	$81,075	$32,932	$-464
2021	$81,238	$74,763	$33,396	$6,475
2020	$52,384	$62,626	$26,921	$-10,242
2019	$76,592	$85,716	$37,163	$-9,124
2018	$83,658	$82,858	$46,287	$800

RAINSVILLE CHAMBER OF COMMERCE INC