HEBER SPRINGS CHAMBER OF COMMERCE

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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

1956

Legal Domicile

Principal Officer

JESSICA GARDNER

Phone

5013622444

Tax Period

2023-01-01 to 2023-12-31

HEBER SPRINGS CHAMBER OF COMMERCE, founded in 1956, is a small nonprofit that reported $110K in total revenue in fiscal year 2023. Revenue surged 42% from the prior year, signaling strong growth momentum.

Mission

TO PROMOTE AND GROW BUSINESS WHILE ENHANCING THE COMMUNITY.

Program Service Accomplishments

Program 1

CARDBOARD BOAT RACES IN LATE JULY INVOLVE LOCAL AND VISITING PARTICIPANTS TO ATTRACT TOURISM FOR THE AREA & INCREASING BUSINESS ACTIVITY FOR LOCAL MERCHANTS AND BUSINESSES. APPROXIMATELY 4,500...

CARDBOARD BOAT RACES IN LATE JULY INVOLVE LOCAL AND VISITING PARTICIPANTS TO ATTRACT TOURISM FOR THE AREA & INCREASING BUSINESS ACTIVITY FOR LOCAL MERCHANTS AND BUSINESSES. APPROXIMATELY 4,500 PERSONS ATTENDED.

Program 2

FIREWORKS SHOW TO PROMOTE TOURISM AND ACTIVITY FOR LOCAL BUSINESSES OVER THE FOURTH OF JULY HOLIDAY. APPROXIMATELY 10,000 LOCAL AND VISITING PERSONS VIEW THE SHOW.

Program 3

MULTIPLE NETWORKING EVENTS TO PROMOTE ACTIVITY FOR LOCAL BUSINESSES AND SUPPORT BUSINESS CONNECTIONS BOTH WITHIN AND OUTSIDE THE COMMUNITY. APPROXIMATELY 1,500 LOCAL AND VISITING PERSONS ATTEND THE...

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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 (2023)

Revenue Breakdown

Contributions & Grants $66,650

Program Service Revenue $0

Investment Income $66

Other Revenue $43,482

TOTAL REVENUE $110,198

Expense Breakdown

Grants Paid $0

Salaries & Benefits $72,252

Fundraising Expenses $0

Other Expenses $35,757

TOTAL EXPENSES $108,009

Year-over-Year Comparison

	2023	2022	Change
Revenue	$110,198	$77,699	+0.4%
Expenses	$108,009	$91,878	+0.2%
Net Income	$2,189	$-14,179	-1.2%

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

$40,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GINGER HARPER	PRESIDENT/CE	40.00	Officer	$40,000	$0	$40,000
JIM BLY	BOARD MEMBER	N/A	Director	$0	$0	$0
JUDGE ERIC CROSBY	BOARD MEM. A	N/A	Director	$0	$0	$0
MAYOR KASEY GRIFFIN	BOARD MEM. A	N/A	Director	$0	$0	$0
DANIEL HARGROVE	BOARD MEMBER	N/A	Director	$0	$0	$0
JEFFREY JAMES	BOARD MEMBER	N/A	Director	$0	$0	$0
KIM OWEN	BOARD MEMBER	N/A	Director	$0	$0	$0
SPENCER REED	BOARD MEMBER	N/A	Director	$0	$0	$0
LISA SINCLAIR	BOARD MEMBER	N/A	Director	$0	$0	$0
WADE SMITH	BOARD MEMBER	N/A	Director	$0	$0	$0
KEVIN STOREY	BOARD MEMBER	N/A	Director	$0	$0	$0
WHITNEY WARE	BOARD MEMBER	N/A	Director	$0	$0	$0
ASHLEY ADAMS	PAST CHAIRMA	N/A	Officer	$0	$0	$0
JESSICA GARDNER	CHAIRMAN	N/A	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
2024	No data	No data	No data	No data
2023	$110,198	$108,009	$85,868	$2,189
2022	$77,699	$91,878	$85,374	$-14,179
2021	$120,413	$75,054	$97,240	$45,359
2020	$93,649	$88,173	$51,035	$5,476
2020	$93,649	$88,173	$51,035	$5,476
2019	$100,054	$95,844	$42,451	$4,210
2018	$114,075	$114,079	$16,638	$-4