PALESTINE AREA CHAMBER OF COMMERCE (EIN 750478920) - 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

1930

Legal Domicile

Principal Officer

ANGELA HOWELL-FIELDS

Phone

9037296066

Tax Period

2023-01-01 to 2023-12-31

PALESTINE AREA CHAMBER OF COMMERCE, founded in 1930, is a small nonprofit that reported $118K in total revenue in fiscal year 2023. Expenses of $138K exceeded revenue, resulting in a 17% operating deficit.

Mission

PROMOTION OF BUSINESS DEVELOPMENT, EXPANSION & GROWTH

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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 (2023)

Revenue Breakdown

Contributions & Grants $88,149

Program Service Revenue $0

Investment Income $0

Other Revenue $29,631

TOTAL REVENUE $117,780

Expense Breakdown

Grants Paid $0

Salaries & Benefits $83,558

Fundraising Expenses $0

Other Expenses $54,340

TOTAL EXPENSES $137,898

Year-over-Year Comparison

	2023	2022	Change
Revenue	$117,780	$117,991	0.0%
Expenses	$137,898	$172,651	-0.2%
Net Income	$-20,118	$-54,660	-0.6%

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

$44,129

Total Directors

$44,129

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANGELA HOWELL-FIELDS	EXECUTIVE DI	40.00	Officer Director	$44,129	$0	$44,129
MELISSA WARD	PRESIDENT	1.00	Officer Director	$0	$0	$0
BRITTANY WARDELL	PRESIDENT EL	1.00	Officer Director	$0	$0	$0
ERNIE WILLIAMS	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
CHUCK ELDRIDGE	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
PENNYLYNN WEBB	SECRETARY	1.00	Officer Director	$0	$0	$0
ALEXANDRIA RIPLEY	TREASURER	1.00	Officer Director	$0	$0	$0
GREG LINDSEY	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
CHRIS KISER	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
ANDREW LITTLE	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
CLIFF MCBROOM	BOARD MEMBER	1.00	Officer Director	$0	$0	$0
HEATHER GILES	BOARD MEMBER	1.00	Officer 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
2024	No data	No data	No data	No data
2023	$117,780	$137,898	$245,269	$-20,118
2022	$117,991	$172,651	$264,741	$-54,660
2021	$152,179	$138,577	$319,445	$13,602
2020	$139,142	$119,256	$329,520	$19,886
2019	$201,659	$194,120	$299,339	$7,539
2018	$147,198	$176,881	$289,142	$-29,683

PALESTINE AREA CHAMBER OF COMMERCE