LIBERTY-DAYTON AREA CHAMBER OF COMMERCE (EIN 740745885) - 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

1977

Legal Domicile

Principal Officer

JENNIFER CHAVIRA

Phone

9363365736

Tax Period

2020-01-01 to 2020-12-31

LIBERTY-DAYTON AREA CHAMBER OF COMMERCE, founded in 1977, is a small nonprofit that reported $101K in total revenue in fiscal year 2020. Revenue fell 36% from the prior year — a significant decline worth monitoring. Expenses of $154K exceeded revenue, resulting in a 52% operating deficit.

Mission

TO PROMOTE AND PERPETUATE THE ECONOMIC, COMMERCIAL, CIVIC AND CULTURAL INTEREST OF LIBERTY, TEXAS, DAYTON, TEXAS, AND SURROUNDING AREAS.

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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 (2020)

Revenue Breakdown

Contributions & Grants $66,677

Program Service Revenue $23,862

Investment Income $0

Other Revenue $10,621

TOTAL REVENUE $101,160

Expense Breakdown

Grants Paid $0

Salaries & Benefits $121,047

Fundraising Expenses $0

Program Expenses $146,495

Other Expenses $32,619

TOTAL EXPENSES $153,666

Year-over-Year Comparison

	2020	2019	Change
Revenue	$101,160	$157,469	-0.4%
Expenses	$153,666	$162,265	-0.1%
Net Income	$-52,506	$-4,796	+9.9%

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

N/A

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

$52,380

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREW J LANDRY	SECR/TREAS	10.00	Officer Director	$0	$0	$0
KEN COLEMAN	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA RICHARDS	CHAIRMAN	10.00	Officer Director	$0	$0	$0
JOHNNY JAROLIK	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY LANDRY	DIRECTOR	1.00	Director	$0	$0	$0
LORI LOWE	DIRECTOR	1.00	Director	$0	$0	$0
BRANDI TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
KINSEY WINDHAM	DIRECTOR	1.00	Director	$0	$0	$0
SHEILA ZACHARIAS	DIRECTOR	1.00	Director	$0	$0	$0
TYLER JACKSON	VICE CHAIRMAN	10.00	Officer Director	$0	$0	$0
CANDY RUCKA	PAST CHAIRMAN	10.00	Officer Director	$0	$0	$0
DAVE CHESSHER	DIRECTOR	1.00	Director	$0	$0	$0
MARY ANNE CAMPBELL	CHAMBER PRESIDENT	40.00	Officer	$0	$0	$52,380

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
2020	$101,160	$153,666	$125,394	$-52,506
2019	$157,469	$162,265	$62,940	$-4,796
2018	$154,085	$171,351	$67,736	$-17,266

LIBERTY-DAYTON AREA CHAMBER OF COMMERCE