WHARTON 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

1960

Legal Domicile

Principal Officer

KRISTI KOCIAN

Phone

9795321862

Tax Period

2024-10-01 to 2025-09-30

WHARTON CHAMBER OF COMMERCE, founded in 1960, is a small nonprofit that reported $256K in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. Expenses of $218K left a modest 15% surplus.

Mission

PROMOTING THE CITY OF WHARTON FOR TOURISM AND INDUSTRIAL PURPOSES.

Program Service Accomplishments

Program 1

THE ORGANIZATION HELD ITS ANNUAL BANQUET AS WELL AS PARTICIPATING IN CITY FESTIVALS AND EVENTS. IN ADDITION, QUARTERLY BUSINESS LUNCHEONS WERE HOSTED BY THE CHAMBER OF COMMERCE TO BRING TOGETHER...

THE ORGANIZATION HELD ITS ANNUAL BANQUET AS WELL AS PARTICIPATING IN CITY FESTIVALS AND EVENTS. IN ADDITION, QUARTERLY BUSINESS LUNCHEONS WERE HOSTED BY THE CHAMBER OF COMMERCE TO BRING TOGETHER CURRENT AND POTENTIAL BUSINESS LEADERS IN AN ATMOSPHERE THAT IS CONDUCIVE TO ATTRACTING NEW INDUSTRY TO THE CITY OF WHARTON. THE LUNCHEONS ALSO SERVE AS A MEETING WHERE WAYS OF IMPROVING BUSINESS CONDITIONS CAN BE DISCUSSED.

Program 2

TO PROMOTE TOURISM IN WHARTON, VARIOUS ADVERTISING METHODS WERE EMPLOYED, INCLUDING BILLBOARDS, CITY ENTRANCE SIGNS AND "WELCOME TO WHARTON" STREET BANNERS. ANOTHER ACTIVITY DESIGNED TO BE HELPFUL TO VISITORS IS PLACING VISITORS INFORMATION KIOSKS AT VARIOUS LOCATIONS IN AND AROUND WHARTON. THE KIOSKS WERE KEPT STOCKED WITH INFORMATIVE PAMPHLETS AND BROCHURES.

Program 3

WEBSITE ADVERTISING FOR VARIOUS BUSINESSES IN WHARTON AND SURROUNDING COMMUNITY.

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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 $63,130

Program Service Revenue $190,479

Investment Income $141

Other Revenue $2,297

TOTAL REVENUE $256,047

Expense Breakdown

Grants Paid $0

Salaries & Benefits $116,954

Fundraising Expenses $0

Other Expenses $101,451

TOTAL EXPENSES $218,405

Year-over-Year Comparison

	2024	2023	Change
Revenue	$256,047	$203,510	+0.3%
Expenses	$218,405	$213,769	+0.0%
Net Income	$37,642	$-10,259	-4.7%

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
KRISTINA CROUCH	DIRECTOR	N/A	Director	$0	$0	$0
DEBRA EVANS	TREASURER	N/A	Officer Director	$0	$0	$0
DEBBIE FOLKS	DIRECTOR	N/A	Director	$0	$0	$0
JOE FREUDENBERGER	DIRECTOR	N/A	Director	$0	$0	$0
ALEX GONZALEZ	DIRECTOR	N/A	Director	$0	$0	$0
SANDRA KACHMAR	DIRECTOR	N/A	Director	$0	$0	$0
KRISTI KOCIAN	CHAIR	N/A	Officer Director	$0	$0	$0
CAROL LYNCH	DIRECTOR	N/A	Director	$0	$0	$0
ISABELLE OUIMETTE	DIRECTOR	N/A	Director	$0	$0	$0
MIGUEL SANTES	DIRECTOR	N/A	Director	$0	$0	$0
KAREN SMITH	EXECUTIVE DI	N/A	Director	$0	$0	$0
BETTY VICK	DIRECTOR	N/A	Director	$0	$0	$0
STEVEN WISNIESKI	DIRECTOR	N/A	Director	$0	$0	$0
WARREN YACKEL	DIRECTOR	N/A	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	$256,047	$218,405	$118,294	$37,642
2024	$203,510	$213,769	$80,506	$-10,259
2023	$183,132	$182,359	$91,816	$773
2022	$226,006	$246,547	$90,227	$-20,541
2021	$171,883	$168,988	$142,815	$2,895
2020	$215,266	$189,808	$139,983	$25,458
2019	$247,421	$269,877	$89,896	$-22,456