SWEETWATER CHAMBER OF COMMERCE (EIN 751180340) - 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

1960

Legal Domicile

Principal Officer

KAREN HUNT

Phone

3252355488

Tax Period

2024-10-01 to 2025-09-30

SWEETWATER CHAMBER OF COMMERCE, founded in 1960, is a small nonprofit that reported $524K in total revenue in fiscal year 2024. Expenses of $507K left a modest 3% surplus.

Mission

CHAMBER OF COMERCE ORGANIZED TO WORK FOR THE COMMUNITY'S CITIZENS IN THE PROMOTION OF BUSINESS AND THE COMMUNITY.

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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 $403,973

Program Service Revenue $94,258

Investment Income $1,839

Other Revenue $24,000

TOTAL REVENUE $524,070

Expense Breakdown

Grants Paid $0

Salaries & Benefits $207,536

Fundraising Expenses $0

Other Expenses $299,790

TOTAL EXPENSES $507,326

Year-over-Year Comparison

	2024	2023	Change
Revenue	$524,070	$487,797	+0.1%
Expenses	$507,326	$462,077	+0.1%
Net Income	$16,744	$25,720	-0.3%

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

N/A

Volunteers

N/A

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

$74,154

Total Directors

$74,154

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAYLEN POLK	BOARD MEMBER	1.00	Director	$0	$0	$0
DOUG DIPPLE	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS BIBB	PRES ELECT	1.00	Officer Director	$0	$0	$0
BECCA LOCKE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JONATHON JONES	BOARD MEMBER	1.00	Director	$0	$0	$0
KAREN HUNT	EXEC DIRECTOR	40.00	Officer Director	$74,154	$0	$74,154
KAREN APPLING	TREASURER	1.00	Officer Director	$0	$0	$0
ERICA CABALLERO	BOARD MEMBER	1.00	Director	$0	$0	$0
KIM REAVES	PAST PRESIDENT	5.00	Officer Director	$0	$0	$0
LYNDI CHERRY	BOARD MEMBER	1.00	Director	$0	$0	$0
WESLEY GILL	PRESIDENT	1.00	Director	$0	$0	$0
BRITTANY WILSON	VICE PRESIDENT	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	$524,070	$507,326	$417,758	$16,744
2024	$487,797	$462,077	$365,721	$25,720
2023	$549,941	$532,275	$427,313	$17,666
2022	$456,415	$470,117	$431,384	$-13,702
2021	$442,192	$415,039	$398,138	$27,153
2020	$409,764	$350,984	$338,856	$58,780
2019	$435,141	$385,849	$289,922	$49,292
2018	$392,253	$358,597	$313,912	$33,656

SWEETWATER CHAMBER OF COMMERCE