CHAMBER OF COMMERCE-GIDDINGS

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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

1946

Legal Domicile

Principal Officer

JACKIE HANDRICK

Phone

9795423455

Tax Period

2024-10-01 to 2025-09-30

CHAMBER OF COMMERCE-GIDDINGS, founded in 1946, is a small nonprofit that reported $204K in total revenue in fiscal year 2024.

Mission

TO LOOK AFTER THE INTERESTS OF THE LOCAL BUSINESSES AND TO TRY TO HELP THEM PROMOTE THEIR BUSINESS, COMMERCE, TRADE AND INDUSTRY.

Program Service Accomplishments

Program 1

VARIOUS BUSINESS PROMOTIONS - TO PROVIDE INCENTIVES TO KEEP SALES & BUSINESS IN GIDDINGS, TEXAS.

Program 2

BUSINESS AND TOURISM INFORMATION CENTER FOR GIDDINGS, TEXAS

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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 $165,114

Program Service Revenue $38,164

Investment Income $197

Other Revenue $565

TOTAL REVENUE $204,040

Expense Breakdown

Grants Paid $0

Salaries & Benefits $91,263

Fundraising Expenses $0

Other Expenses $131,861

TOTAL EXPENSES $223,124

Year-over-Year Comparison

	2024	2023	Change
Revenue	$204,040	$204,816	0.0%
Expenses	$223,124	$204,763	+0.1%
Net Income	$-19,084	$53	-361.1%

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

$46,657

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENICE HARLAN	EXECUTIVE DIRECTOR	40.00	Director	$46,657	$0	$46,657
JULIE NITSCHE	CHAIRMAN	1.00	Officer	$0	$0	$0
SUSAN HOSCH	SECRETARY	1.00	Officer	$0	$0	$0
ANGIE BLOODWORTH	TREASURER	1.00	Officer	$0	$0	$0
STEVE JONES	VICE CHAIRMAN	1.00	Officer	$0	$0	$0
JACKIE HANDRICK	PRESIDENT	40.00	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
2025	$204,040	$223,124	$73,055	$-19,084
2024	$204,816	$204,763	$92,096	$53