LUMBERTON 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

1975

Legal Domicile

Principal Officer

ANDY KELLEY

Phone

4097550554

Tax Period

2025-01-01 to 2025-12-31

LUMBERTON CHAMBER OF COMMERCE, founded in 1975, is a micro nonprofit that reported $90K in total revenue in fiscal year 2025. Revenue decreased 15% compared to the prior year. Expenses of $106K exceeded revenue, resulting in a 17% operating deficit.

Mission

THE GOALS OF THE LUMBERTON CHAMBER OF COMMERCE ARE TO PROMOTE THE CULTURAL, EDUCATIONAL, CIVIC, COMMERCIAL, INDUSTRIAL AND GENERAL DEVELOPMENT OF THE LUMBERTON AREA AND TO AID IN THE ECONOMIC DEVELOPMENT OF ALL LEGITIMATE ENTERPRISES DESIGNED FOR THE IMPROVEMENT OF THE AREA.

Program Service Accomplishments

Program 1

Expenses: $94,373

CHAMBER SERVES THE CITY OF LUMBERTON TO PROMOTE BUSINESS DEVELOPMENT AND GROWTH. CHAMBER PROMOTES ECONOMIC DEVELOPMENT FOR THE CITY AND AREA.

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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 $106,221

Program Service Revenue $0

Investment Income $20

Other Revenue $-15,843

TOTAL REVENUE $90,398

Expense Breakdown

Grants Paid $5,987

Salaries & Benefits $57,384

Fundraising Expenses $0

Program Expenses $94,373

Other Expenses $42,550

TOTAL EXPENSES $105,921

Year-over-Year Comparison

	2025	2024	Change
Revenue	$90,398	$106,956	-0.2%
Expenses	$105,921	$100,812	+0.1%
Net Income	$-15,523	$6,144	-3.5%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AARON BRUNSON	DIRECTOR	5.00	Director	$0	$0	$0
DON BURNETT	DIRECTOR	5.00	Director	$0	$0	$0
SHAWN DUNNIGAN	DIRECTOR	5.00	Director	$0	$0	$0
MIKE BAYLESS	DIRECTOR	5.00	Director	$0	$0	$0
RAYMOND JONES	DIRECTOR	5.00	Director	$0	$0	$0
BARBARA MARTIN	DIRECTOR	5.00	Director	$0	$0	$0
LINDA MCCAULEY	DIRECTOR	5.00	Director	$0	$0	$0
STEVE THOMAS	DIRECTOR	5.00	Director	$0	$0	$0
WENDY TRAHAN	DIRECTOR	5.00	Director	$0	$0	$0
ALICIA WILLIAMS	DIRECTOR	5.00	Director	$0	$0	$0
DIANA WORRY	DIRECTOR	5.00	Director	$0	$0	$0
ANDY KELLEY	PRESIDENT	5.00	Officer	$0	$0	$0
DAN PRIEST	PRESIDENT ELECT	5.00	Officer	$0	$0	$0
MIC COWART	VICE PRESIDENT	5.00	Officer	$0	$0	$0
LYNETTE BARKS	SECRETARYTREASURER	5.00	Officer	$0	$0	$0
SANDRA WOMACK	EXECUTIVE DIRECTOR	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	$90,398	$105,921	$101,696	$-15,523
2024	No data	No data	No data	No data
2023	$96,983	$92,850	$112,022	$4,133
2022	$95,672	$88,435	$106,942	$7,237
2021	No data	No data	$147,290	No data
2021	$33,008	$77,427	$99,663	$-44,419
2020	$148,935	$73,648	$147,290	$75,287
2019	$29,268	$84,846	$71,153	$-55,578
2018	$105,523	$80,625	$127,499	$24,898