Kimble County 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

2018

Legal Domicile

Principal Officer

Mark Arrazola

Phone

3254463190

Tax Period

2024-10-01 to 2025-09-30

Kimble County Chamber of Commerce, founded in 2018, is a small nonprofit that reported $166K in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year.

Mission

Promote commercial interests of local businesses

Program Service Accomplishments

Program 1

Promotion of local businesses in order to increase visibility, area activity and increase local business revenues

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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 $188,381

Program Service Revenue $0

Investment Income $0

Other Revenue $-22,568

TOTAL REVENUE $165,813

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,006

Fundraising Expenses $0

Other Expenses $71,328

TOTAL EXPENSES $172,334

Year-over-Year Comparison

	2024	2023	Change
Revenue	$165,813	$193,276	-0.1%
Expenses	$172,334	$237,914	-0.3%
Net Income	$-6,521	$-44,638	-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

$56,381

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mark Arrazola	Executive Director	040.00	Director	$41,538	$0	$41,538
Lizett Whitaker	Office Assistant	040.00	Director	$14,843	$0	$14,843
Teresa Pope	President	002.00	Director	$0	$0	$0
Craig Meador	Vice President	002.00	Director	$0	$0	$0
Myndi Jameson	Secretary	002.00	Director	$0	$0	$0
Steve Brown	Board Member	002.00	Director	$0	$0	$0
Jessica Gardner	Board Member	002.00	Director	$0	$0	$0
Alex Gonzales	Board Member	002.00	Director	$0	$0	$0
Kary Warden	Board Member	002.00	Director	$0	$0	$0
Erica Silva	Board Member	002.00	Director	$0	$0	$0
Craig Stanley	Board Member	002.00	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	$165,813	$172,334	$19,283	$-6,521
2024	$193,276	$237,914	$33,374	$-44,638
2023	$102,804	$95,034	$102,776	$7,770
2022	$139,737	$129,043	$95,104	$10,694
2021	$127,297	$88,609	$84,242	$38,688
2020	$152,361	$105,624	$49,906	$46,737