PANOLA COUNTY CHAMBER OF COMMERCE (EIN 750715353) - 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

1947

Legal Domicile

Principal Officer

KERI VANCE

Phone

9036936634

Tax Period

2025-01-01 to 2025-12-31

PANOLA COUNTY CHAMBER OF COMMERCE, founded in 1947, is a small nonprofit that reported $167K in total revenue in fiscal year 2025. Revenue grew 15% year-over-year, indicating healthy expansion. The organization ran a surplus of $30K, a strong 18% operating margin.

Mission

PROMOTION OF COMMERCE IN PANOLA COUNTY 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 (2025)

Revenue Breakdown

Contributions & Grants $156,578

Program Service Revenue $0

Investment Income $8,345

Other Revenue $2,397

TOTAL REVENUE $167,320

Expense Breakdown

Grants Paid $0

Salaries & Benefits $94,930

Fundraising Expenses $0

Other Expenses $42,684

TOTAL EXPENSES $137,614

Year-over-Year Comparison

	2025	2024	Change
Revenue	$167,320	$146,038	+0.1%
Expenses	$137,614	$147,189	-0.1%
Net Income	$29,706	$-1,151	-26.8%

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	Role	Reportable Comp	Other Comp	Total
WESLEY KING	2ND VP	Officer	$0	$0	$0
JOHN ALBERS	1ST VP	Officer	$0	$0	$0
DR JOHN RAY	IMMEDIATE PAST CHAIR	Officer	$0	$0	$0
CAMERON PHILLIPS	CHAIRMAN	Officer	$0	$0	$0
DAVID MURPHY	TREASURER	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	$167,320	$137,614	$265,658	$29,706
2024	$146,038	$147,189	$237,022	$-1,151
2023	$192,470	$144,733	$238,026	$47,737
2022	$174,507	$133,592	$192,817	$40,915
2021	$155,512	$142,288	$152,634	$13,224
2020	$170,150	$150,109	$138,430	$20,041
2019	$215,887	$159,942	$118,050	$55,945

PANOLA COUNTY CHAMBER OF COMMERCE