HAMBURG AREA 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

1972

Legal Domicile

Principal Officer

MALLORI THOMPSON

Phone

8708538345

Tax Period

2025-01-01 to 2025-12-31

HAMBURG AREA CHAMBER OF COMMERCE, founded in 1972, is a small nonprofit that reported $270K in total revenue in fiscal year 2025.

Mission

Fostering the local economy by supporting businesses, promoting growth, and fostering community development.

Program Service Accomplishments

Program 1

PROVIDED SUPPORTING SERVICES TO LOCAL BUSINESSES AND COMMUNITY MEMBERS TO FOSTER RELATIONSHIPS AND BUILD THE ECONOMY

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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 (2025)

Revenue Breakdown

Contributions & Grants $8,645

Program Service Revenue $0

Investment Income $25,000

Other Revenue $236,652

TOTAL REVENUE $270,297

Expense Breakdown

Grants Paid $0

Salaries & Benefits $36,393

Fundraising Expenses $190,497

Other Expenses $229,939

TOTAL EXPENSES $266,332

Year-over-Year Comparison

	2025	2024	Change
Revenue	$270,297	N/A	N/A
Expenses	$266,332	N/A	N/A
Net Income	$3,965	N/A	N/A

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

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

$21,958

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANGIE TERRELL	EXECUTIVE DIRECTOR	40.00	Key Emp	$21,958	$0	$21,958
CAITLIN MARTIN	BOARD PRESIDENT	15.00	Director	$0	$0	$0
LOGAN MORRIS	V PRESIDENT	15.00	Director	$0	$0	$0
DERENDA STANLEY	BOARD MEMBER	5.00	Director	$0	$0	$0
KRISTIN MORRIS	BOARD MEMBER	5.00	Director	$0	$0	$0
JULIE BARNES	BOARD MEMBER	5.00	Director	$0	$0	$0
RYAN KNIGHT	BOARD MEMBER	5.00	Director	$0	$0	$0
PATRICK OWENS	BOARD MEMBER	5.00	Director	$0	$0	$0
GRACIE RILEY	BOARD MEMBER	5.00	Director	$0	$0	$0
KAITLYN SADLER	BOARD MEMBER	5.00	Director	$0	$0	$0
WADE KNIGHT	BOARD MEMBER	5.00	Director	$0	$0	$0
ANGELA HOLLAND	BOARD MEMBER	5.00	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	$270,297	$266,332	$3,965	$3,965