CLARKSVILLE-JOHNSON COUNTY REGIONAL CHAMBER OF COMMERCE (EIN 710095953) - 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

1921

Legal Domicile

Principal Officer

JEFF HOWARD

Phone

4797542340

Tax Period

2025-01-01 to 2025-12-31

CLARKSVILLE-JOHNSON COUNTY REGIONAL CHAMBER OF COMMERCE, founded in 1921, is a small nonprofit that reported $290K in total revenue in fiscal year 2018. The organization ran a surplus of $64K, a strong 22% operating margin.

Mission

THE CHAMBER'S MISSION IS TO HELP BUSINESSES GROW AND PROSPER, AS WELL AS ENHANCE THE QUALITY OF LIFE THROUGH SERVICE, LEADERSHIP AND ECONOMIC DEVELOPMENT.

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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 (2025)

Revenue Breakdown

Contributions & Grants $227,914

Program Service Revenue $69,924

Investment Income $13,896

Other Revenue $20,456

TOTAL REVENUE $332,190

Expense Breakdown

Grants Paid $0

Salaries & Benefits $98,160

Fundraising Expenses $0

Other Expenses $213,991

TOTAL EXPENSES $312,151

Year-over-Year Comparison

	2025	2024	Change
Revenue	$332,190	$269,309	+0.2%
Expenses	$312,151	$301,351	+0.0%
Net Income	$20,039	$-32,042	-1.6%

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
JEFF HOWARD	BOARD PRESID	4.00	Officer Director	$0	$0	$0
JONATHAN HOWARD	BOARD VICE P	4.00	Officer Director	$0	$0	$0
BETHANY BEAN	BOARD MEMBER	4.00	Director	$0	$0	$0
BRETT WOOD	BOARD MEMBER	1.00	Director	$0	$0	$0
IAN BRYAN	BOARD MEMBER	1.00	Director	$0	$0	$0
BARRY SELLERS	BOARD MEMBER	1.00	Director	$0	$0	$0
MATT BEWLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
DANA FRIZELL	BOARD MEMBER	4.00	Director	$0	$0	$0
SCOTT SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
BARBARA JENKINS	BOARD MEMBER	1.00	Director	$0	$0	$0
ROSA CLOKEY	BOARD MEMBER	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	$332,190	$312,151	$396,770	$20,039
2024	$269,309	$301,351	$380,303	$-32,042
2023	$267,378	$331,669	$415,632	$-64,291
2022	$244,196	$297,838	$477,949	$-53,642
2021	$252,131	$206,029	$500,038	$46,102
2020	$182,618	$173,769	$452,729	$8,849
2019	$306,310	$242,575	$447,204	$63,735
2018	$290,220	$226,342	$378,608	$63,878

CLARKSVILLE-JOHNSON COUNTY REGIONAL CHAMBER OF COMMERCE