CAMPBELL COUNTY CHAMBER OF COMMERCE (EIN 830179721) - 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

1956

Legal Domicile

Principal Officer

GAIL LOFING

Phone

3076823673

Tax Period

2024-07-01 to 2025-06-30

CAMPBELL COUNTY CHAMBER OF COMMERCE, founded in 1956, is a small nonprofit that reported $631K in total revenue in fiscal year 2024. Revenue fell 31% from the prior year — a significant decline worth monitoring. Expenses of $596K left a modest 6% surplus.

Mission

TO PROMOTE THE GROWTH OF COMMERCE, SERVE AS A BUSINESS ADVOCATE, FOSTER THE DEVELOPMENT OF NEW LEADERS, AND PROVIDE PROGRAMS AND SERVICES TO THE MEMBERS.

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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 $351,166

Program Service Revenue $239,532

Investment Income $6,216

Other Revenue $34,056

TOTAL REVENUE $630,970

Expense Breakdown

Grants Paid $3,000

Salaries & Benefits $337,816

Fundraising Expenses $0

Other Expenses $255,031

TOTAL EXPENSES $595,847

Year-over-Year Comparison

	2024	2023	Change
Revenue	$630,970	$916,250	-0.3%
Expenses	$595,847	$602,037	0.0%
Net Income	$35,123	$314,213	-0.9%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERICA MUND	TREASURER	3.00	Officer Director	$0	$0	$0
MISSY BIEGLER	MEMBER	1.00	Director	$0	$0	$0
WENDY BALO	CHAIR	5.00	Officer Director	$0	$0	$0
JAMIE BLACK	MEMBER	1.00	Director	$0	$0	$0
ADELITA DURYEA	MEMBER	1.00	Director	$0	$0	$0
JANELL OBERLANDER	CHAIR-ELECT	1.00	Officer Director	$0	$0	$0
MATT SHAHAN	MEMBER	1.00	Director	$0	$0	$0
KELLY SAMS	MEMBER	1.00	Director	$0	$0	$0
BRIAN BROWN	MEMBER	1.00	Director	$0	$0	$0
KEENAN FITZGERALD	MEMBER	1.00	Director	$0	$0	$0
SHAWNA GLASSER	MEMBER	1.00	Director	$0	$0	$0
SALLY HUTTON-KNAPP	MEMBER	1.00	Director	$0	$0	$0
CAMARAE KELLEY	MEMBER	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	$630,970	$595,847	$1,433,958	$35,123
2024	$916,250	$602,037	$1,419,073	$314,213
2023	$619,228	$541,283	$916,631	$77,945
2022	$565,212	$503,028	$834,866	$62,184
2021	$742,007	$501,477	$761,536	$240,530
2020	$504,948	$475,691	$591,964	$29,257
2019	$627,049	$559,083	$496,899	$67,966
2018	$579,099	$528,219	$423,774	$50,880

CAMPBELL COUNTY CHAMBER OF COMMERCE