OXFORD-LAFAYETTE COUNTY CHAMBER OF COMMERCE (EIN 640217037) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1940

Legal Domicile

Principal Officer

PAM SWAIN

Phone

6622344651

Tax Period

2024-07-01 to 2025-06-30

OXFORD-LAFAYETTE COUNTY CHAMBER OF COMMERCE, founded in 1940, is a small nonprofit that reported $972K in total revenue in fiscal year 2024.

Mission

PROMOTE BUSINESS & TOURISM

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $667,993

Program Service Revenue $176,957

Investment Income $392

Other Revenue $127,153

TOTAL REVENUE $972,495

Expense Breakdown

Grants Paid $0

Salaries & Benefits $410,217

Fundraising Expenses $0

Other Expenses $539,474

TOTAL EXPENSES $949,691

Year-over-Year Comparison

	2024	2023	Change
Revenue	$972,495	$1,008,720	0.0%
Expenses	$949,691	$961,824	0.0%
Net Income	$22,804	$46,896	-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

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

$107,328

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAM SWAIN	PRESIDENT/CE	40.00	Officer	$107,328	$0	$107,328
REBECCA ALEXANDER	DIRECTOR	1.00	Director	$0	$0	$0
WAYNE ANDREWS	DIRECTOR	1.00	Director	$0	$0	$0
PREMA BALACHANDRAN	DIRECTOR	1.00	Director	$0	$0	$0
ZACH BONNER	DIRECTOR	1.00	Director	$0	$0	$0
KURT BRUMMETT	DIRECTOR	1.00	Director	$0	$0	$0
JORDAN CARTER	DIRECTOR	1.00	Director	$0	$0	$0
TONY DEAL	CHAIRMAN	1.00	Officer Director	$0	$0	$0
SYDNEY FIELDS	DIRECTOR	1.00	Director	$0	$0	$0
TIM GORDON	DIRECTOR	1.00	Director	$0	$0	$0
SHARON GRACE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID KROUSE	DIRECTOR	1.00	Director	$0	$0	$0
BRENT LARSON	DIRECTOR	1.00	Director	$0	$0	$0
MATT MCCRAW	TREASURER	1.00	Officer Director	$0	$0	$0
JOSH MCGLAWN	DIRECTOR	1.00	Director	$0	$0	$0
EATHEN RAINEY	DIRECTOR	1.00	Director	$0	$0	$0
BEN REQUET	DIRECTOR	1.00	Director	$0	$0	$0
RAMESH RETNAM	DIRECTOR	1.00	Director	$0	$0	$0
ANDY REYNOLDS	DIRECTOR	1.00	Director	$0	$0	$0
TRACIE RIDDLE	DIRECTOR	1.00	Director	$0	$0	$0
MASON RIVES	DIRECTOR	1.00	Director	$0	$0	$0
MIKE ROBERTS	DIRECTOR	1.00	Director	$0	$0	$0
ERIN SMITH	VICE CHAIRMA	1.00	Officer Director	$0	$0	$0
LISA STOUT	DIRECTOR	1.00	Director	$0	$0	$0
PEYTON WARRINGTON	DIRECTOR	1.00	Director	$0	$0	$0
MARLIN WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
JESSICA WINDHAM	DIRECTOR	1.00	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	$972,495	$949,691	$496,832	$22,804
2024	$1,008,720	$961,824	$469,428	$46,896
2023	$857,089	$850,774	$422,532	$6,315
2022	$722,368	$716,722	$416,217	$5,646
2021	$662,818	$640,460	$410,571	$22,358
2020	$717,176	$752,023	$388,213	$-34,847
2019	$813,903	$781,553	$423,061	$32,350

OXFORD-LAFAYETTE COUNTY CHAMBER OF COMMERCE