Lebanon Area Chamber of Commerce (EIN 930357744) - 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

1935

Legal Domicile

Principal Officer

Rebecca Grizzle

Tax Period

2023-01-01 to 2023-12-31

Lebanon Area Chamber of Commerce, founded in 1935, is a small nonprofit that reported $488K in total revenue in fiscal year 2023. Revenue surged 105% from the prior year, signaling strong growth momentum. The organization ran a surplus of $195K, a strong 40% operating margin.

Mission

The mission of the Lebanon Area Chamber of Commerce is to promote the financial health and vitality of its members and the business community. The primary exempt purpose is community development.

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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 (2023)

Revenue Breakdown

Contributions & Grants $387,018

Program Service Revenue $66,009

Investment Income $1,480

Other Revenue $33,524

TOTAL REVENUE $488,031

Expense Breakdown

Grants Paid $0

Salaries & Benefits $227,772

Fundraising Expenses $58,010

Program Expenses $104,718

Other Expenses $65,478

TOTAL EXPENSES $293,250

Year-over-Year Comparison

	2023	2022	Change
Revenue	$488,031	$237,509	+1.1%
Expenses	$293,250	$280,061	+0.0%
Net Income	$194,781	$-42,552	-5.6%

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

$86,640

Total Directors

Key Employees

$91,811

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rebecca Grizzle	Executive Director	40.00	Officer Highest	$86,640	$0	$86,640
Mary Garner	Office Manager	40.00	Key Emp	$64,036	$0	$64,036
Jesse Clayton	Customer Service	30.00	Key Emp	$27,775	$0	$27,775
Michelle Duncan	Director	5.00	Director	$0	$0	$0
Mary Ann Honeyman	Director	5.00	Director	$0	$0	$0
Jenelle Detweiler	Director	5.00	Director	$0	$0	$0
Chris Storm	Director	5.00	Director	$0	$0	$0
Chris Breshears	Director	5.00	Director	$0	$0	$0
Tom Oliver	Director	5.00	Director	$0	$0	$0
Kris Latimer	Director	5.00	Director	$0	$0	$0
Betty Schmidt	Director	5.00	Director	$0	$0	$0
Becky Van Atta	Director	5.00	Director	$0	$0	$0
Chelle Davis	Past Chair	10.00	Officer	$0	$0	$0
Marty Cahill	Treasurer	10.00	Officer	$0	$0	$0
Angie Kutsch	Chair	10.00	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
2024	No data	No data	No data	No data
2023	$488,031	$293,250	$600,479	$194,781
2022	$237,509	$280,061	$427,875	$-42,552
2021	$367,305	$249,769	$462,348	$117,536
2020	$306,460	$244,426	$393,840	$62,034
2019	$244,281	$229,054	$341,926	$15,227
2018	$256,839	$260,314	$372,735	$-3,475

Lebanon Area Chamber of Commerce