Jacksonville 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

1928

Legal Domicile

Principal Officer

Peggy Renfro

Phone

9035862217

Tax Period

2024-01-01 to 2024-12-31

Jacksonville Chamber of Commerce, founded in 1928, is a small nonprofit that reported $379K in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year. Expenses of $354K left a modest 7% surplus.

Mission

Promote the City of Jacksonville and promote tourism in and around the City of Jacksonville TX

Program Service Accomplishments

Program 1

The Jacksonville Chamber of Commerce program service is to promote the City of Jacksonville and to increase the economic development and quality of life in and around the City of Jacksonville

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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 $123,488

Program Service Revenue $245,889

Investment Income $2,956

Other Revenue $6,325

TOTAL REVENUE $378,658

Expense Breakdown

Grants Paid $0

Salaries & Benefits $151,454

Fundraising Expenses $0

Other Expenses $202,154

TOTAL EXPENSES $353,608

Year-over-Year Comparison

	2024	2023	Change
Revenue	$378,658	$401,750	-0.1%
Expenses	$353,608	$362,321	0.0%
Net Income	$25,050	$39,429	-0.4%

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

$73,720

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Peggy Renfro	President	40.00	Key Emp	$73,720	$0	$73,720
Amy Garcia	Director	1.00	Director	$0	$0	$0
Karen Nolley	Director	1.00	Director	$0	$0	$0
Barry Lofquist	Chair Elect	1.00	Director	$0	$0	$0
D'Angelo Watson	Director	1.00	Director	$0	$0	$0
Brad Stewart	Director	1.00	Director	$0	$0	$0
Becky Hesterley	Director	1.00	Director	$0	$0	$0
Dillon Rodriguez	Chairman	1.00	Officer Director	$0	$0	$0
Andrew Swink	Director	1.00	Director	$0	$0	$0
Crystal Bateman	Director	1.00	Director	$0	$0	$0
Brittany Landford	Director	1.00	Director	$0	$0	$0
Micah Hoffpauir	Director	1.00	Director	$0	$0	$0
Britian Mckinney	Director	1.00	Director	$0	$0	$0
Chris Belt	Director	1.00	Director	$0	$0	$0
Molly Loughmiller	Treasurer	1.00	Officer Director	$0	$0	$0
Nathan Jones	Director	1.00	Director	$0	$0	$0
Pam Anderson	Director	1.00	Director	$0	$0	$0
Jonathan Wilson	Director	1.00	Director	$0	$0	$0
DeLeigh Haley	Director	1.00	Director	$0	$0	$0
Tina Hargett	Director	1.00	Director	$0	$0	$0
Victor Ontiveros	Director	1.00	Director	$0	$0	$0
Lauren Carter	Director	1.00	Director	$0	$0	$0
Stacy Williams	Director	1.00	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	No data	No data	No data	No data
2024	$378,658	$353,608	$624,240	$25,050
2023	$401,750	$362,321	$603,869	$39,429
2022	$371,168	$314,404	$274,056	$56,764
2021	$358,458	$276,828	$181,535	$81,630
2020	$191,402	$199,590	$138,619	$-8,188
2019	$326,807	$322,177	$115,561	$4,630
2018	$341,274	$345,687	$103,690	$-4,413