PEARL CHAMBER OF COMMERCE (EIN 640623066) - 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

1982

Legal Domicile

Phone

6019393338

Tax Period

2024-10-01 to 2025-09-30

PEARL CHAMBER OF COMMERCE, founded in 1982, is a small nonprofit in the Community Improvement sector that reported $275K in total revenue in fiscal year 2024.

Mission

ENHANCEMENT OF THE QUALITY OF LIFE IN PEARL, MISSISSIPPI THROUGH THE ATTRACTION, RETENTION AND SUPPORT OF BUSINESSES WITHIN THE CITY AND LOCAL SURROUNDINGS

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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 $186,775

Program Service Revenue $80,440

Investment Income $118

Other Revenue $7,912

TOTAL REVENUE $275,245

Expense Breakdown

Grants Paid $0

Salaries & Benefits $127,756

Fundraising Expenses $0

Program Expenses $138,728

Other Expenses $150,009

TOTAL EXPENSES $277,765

Year-over-Year Comparison

	2024	2023	Change
Revenue	$275,245	$267,618	+0.0%
Expenses	$277,765	$295,138	-0.1%
Net Income	$-2,520	$-27,520	-0.9%

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
DAVID STOVALL	2ND VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DEBBY JONES	TREASURER	1.00	Officer Director	$0	$0	$0
JASON QUIN	1ST VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
BRENDA MYERS	FINANCE DIRECTOR	1.00	Officer Director	$0	$0	$0
TROY JONES	PRESIDENT ELECT	1.00	Officer Director	$0	$0	$0
GENE NEWMAN	PRESIDENT	1.00	Officer Director	$0	$0	$0
KATHY DEER	EXECUTIVE DIRECTOR	40.00	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	$275,245	$277,765	$60,277	$-2,520
2023	$263,228	$262,379	$89,925	$849
2022	$109,062	$94,803	$89,076	$14,259

PEARL CHAMBER OF COMMERCE