BIG SPRING CHAMBER OF COMMERCE CHARITABLE TRUST #1 (EIN 756440949) - 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

1993

Legal Domicile

Principal Officer

MARK MORGAN

Phone

4322637641

Tax Period

2025-01-01 to 2025-12-31

BIG SPRING CHAMBER OF COMMERCE CHARITABLE TRUST #1, founded in 1993, is a small nonprofit that reported $143K in total revenue in fiscal year 2025. Revenue surged 34% from the prior year, signaling strong growth momentum. The organization ran a surplus of $67K, a strong 47% operating margin.

Mission

LESSEN THE BURDEN OF LOCAL GOVERNMENT THROUGH SUPPORT OF CHAMBER OF COMMERCE CIVIC ACTIVITIES.

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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 $141,341

Program Service Revenue $0

Investment Income $1,362

Other Revenue $0

TOTAL REVENUE $142,703

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $75,481

Other Expenses $75,481

TOTAL EXPENSES $75,481

Year-over-Year Comparison

	2025	2024	Change
Revenue	$142,703	$106,803	+0.3%
Expenses	$75,481	$415,644	-0.8%
Net Income	$67,222	$-308,841	-1.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
MARISHA BECK	PRESIDENT-ELECT	Director	$0	$0	$0
PETER GONZALES	PRESIDENT	Director	$0	$0	$0
MARK MORGAN	TRUSTEE	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	$142,703	$75,481	$258,596	$67,222
2024	No data	No data	No data	No data
2023	$246,875	$86,361	$500,215	$160,514
2022	$63,296	$64,519	$339,701	$-1,223
2021	$241,240	$110,790	$340,924	$130,450
2020	$14,836	$107,420	$210,474	$-92,584

BIG SPRING CHAMBER OF COMMERCE CHARITABLE TRUST #1