HERNANDO M S CHAMBER OF COMMERCE (EIN 640901077) - 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

1973

Legal Domicile

Principal Officer

SIBONIE SWATZYNA

Phone

6624299055

Tax Period

2024-01-01 to 2024-12-31

HERNANDO M S CHAMBER OF COMMERCE, founded in 1973, is a small nonprofit that reported $213K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $183K left a modest 14% surplus.

Mission

TO PROMOTE AND DEVELOP BUSINESS ACTIVITIES IN THE CITY OF HERNANDO, MS AND SURROUNDING COMMUNITIES.

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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 $117,369

Program Service Revenue $95,246

Investment Income $776

Other Revenue $0

TOTAL REVENUE $213,391

Expense Breakdown

Grants Paid $0

Salaries & Benefits $78,733

Fundraising Expenses $0

Program Expenses $37,837

Other Expenses $104,300

TOTAL EXPENSES $183,033

Year-over-Year Comparison

	2024	2023	Change
Revenue	$213,391	$190,211	+0.1%
Expenses	$183,033	$172,081	+0.1%
Net Income	$30,358	$18,130	+0.7%

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

$54,769

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER WARD	PRESIDENT ELECT	1	Officer	$0	$0	$0
CRAIG CARTER	BOARD MEMBER	1		$0	$0	$0
MICHAEL ANN DILLENGER	SECRETARY	1	Officer	$0	$0	$0
TAYLOR PHILLIPS	BOARD MEMBER	1		$0	$0	$0
GIA MATHENY	BOARD MEMBER	1		$0	$0	$0
SIBONIE SWATZYANA	DIRECTOR	40	Director	$54,769	$0	$54,769
ROBIN PARKER	BOARD MEMBER	1		$0	$0	$0
PAM BLACK	BOARD MEMBER	1		$0	$0	$0
CLAY MORTON	TREASURER	1	Officer	$0	$0	$0
MARY CATHERINE STRIDER LOGAN	BOARD MEMBER	1		$0	$0	$0
CHIP JOHNSON	BOARD MEMBER	1		$0	$0	$0
GREG DRUMWRIGHT	BOARD MEMBER	1		$0	$0	$0
MARCUS GREER	BOARD MEMBER	1		$0	$0	$0
MOLLY BETH JOLLY	BOARD MEMBER	1		$0	$0	$0
TERRI SPARKMAN	BOARD MEMBER	1		$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	$213,391	$183,033	$409,863	$30,358
2023	$190,211	$172,081	$329,683	$18,130
2022	$186,626	$200,082	$219,933	$-13,456
2021	$166,604	$151,018	$188,645	$15,586
2020	$123,315	$134,137	$147,368	$-10,822
2018	$210,559	$206,095	$164,504	$4,464

HERNANDO M S CHAMBER OF COMMERCE