MOUNTAIN HOME 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

1994

Legal Domicile

Principal Officer

JIMMY SCHIPANI

Phone

2085874334

Tax Period

2024-01-01 to 2024-12-31

MOUNTAIN HOME CHAMBER OF COMMERCE, founded in 1994, is a small nonprofit that reported $168K in total revenue in fiscal year 2024. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $51K, a strong 31% operating margin.

Mission

TO PROMOTE LOCAL BUSINESSES AND CREATE STRONG COMMUNITY TIES THROUGH EVENTS AND ACTIVITIES SUCH AS AIR FORCE APPRECIATION DAY

Program Service Accomplishments

Program 1

TO PROMOTE LOCAL BUSINESSES AND CREATE STRONG COMMUNITY TIES THROUGH EVENTS AND ACTIVITIES SUCH AS AIR FORCE APPRECIATION DAY.

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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 $91,859

Program Service Revenue $4,002

Investment Income $1,280

Other Revenue $71,219

TOTAL REVENUE $168,360

Expense Breakdown

Grants Paid $0

Salaries & Benefits $66,656

Fundraising Expenses $0

Other Expenses $50,244

TOTAL EXPENSES $116,900

Year-over-Year Comparison

	2024	2023	Change
Revenue	$168,360	$133,595	+0.3%
Expenses	$116,900	$137,316	-0.1%
Net Income	$51,460	$-3,721	-14.8%

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

400

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAMANTHA VENABLE HARJO	President	5.00	Officer Director	$0	$0	$0
ASHLYN CLARK	Vice President	5.00	Officer Director	$0	$0	$0
JIMMY SCHIPANI	Treasurer	1.00	Officer Director	$0	$0	$0
RON COX	Director	1.00	Director	$0	$0	$0
LAYNE SHORT	Director	1.00	Director	$0	$0	$0
JORDAN LARMAY	Director	1.00	Director	$0	$0	$0
JEFF PARADIS	Director	1.00	Director	$0	$0	$0
RHONDA GRAHAM	Director	1.00	Director	$0	$0	$0
SHANANDA PENDLETON	Director	1.00	Director	$0	$0	$0
ALLEN CARROLL	Director	1.00	Director	$0	$0	$0
SUSIE BROWN	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	$168,360	$116,900	$394,933	$51,460
2023	$133,595	$137,316	$346,669	$-3,721
2022	$109,966	$129,224	$346,569	$-19,258
2021	$123,952	$119,100	$364,940	$4,852
2020	$102,129	$109,673	$371,484	$-7,544
2019	$122,512	$118,853	$367,592	$3,659
2018	$166,556	$131,032	$364,516	$35,524