REEDSPORT-WINCHESTER BAY CHAMBER OF COMMERCE (EIN 936032354) - 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

1954

Legal Domicile

Principal Officer

DEBBY TURNER

Phone

5412713495

Tax Period

2024-01-01 to 2024-12-31

REEDSPORT-WINCHESTER BAY CHAMBER OF COMMERCE, founded in 1954, is a small nonprofit that reported $278K in total revenue in fiscal year 2024. Expenses of $311K exceeded revenue, resulting in a 12% operating deficit.

Mission

LOCAL CHAMBER OF COMMERCE PROMOTES LOCAL BUSINESS THROUGH EVENTS AND ADVERTISING AND PROMOTES GENERAL AWARENESS OF THE AREA AND ITS ATTRACTIONS.

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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 $6,435

Program Service Revenue $271,659

Investment Income $0

Other Revenue $0

TOTAL REVENUE $278,094

Expense Breakdown

Grants Paid $0

Salaries & Benefits $49,843

Fundraising Expenses $0

Program Expenses $0

Other Expenses $261,016

TOTAL EXPENSES $310,859

Year-over-Year Comparison

	2024	2023	Change
Revenue	$278,094	$290,780	0.0%
Expenses	$310,859	$280,787	+0.1%
Net Income	$-32,765	$9,993	-4.3%

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

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

$44,012

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBBY TURNER	TREASURER	1.00	Officer	$0	$0	$0
SCOTT KENT	BOARD MEMBER	1.00	Officer	$0	$0	$0
BRENDA FRALEY	PRESIDENT	1.00	Officer	$0	$0	$0
PHYLLIS DEVER	VICE PRESIDENT	1.00	Officer	$0	$0	$0
DEANNA SCHAFER	EX-OFFICIO	1.00	Director	$0	$0	$0
KALEY SWEET	BOARD MEMBER	1.00	Key Emp	$0	$0	$0
JENNIFER ROCKWELL	EMPLOYEE	40.00	Key Emp Highest	$44,012	$0	$44,012

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	$278,094	$310,859	$884,718	$-32,765
2023	$290,780	$280,787	$917,483	$9,993
2022	$912,217	$643,147	$907,490	$269,070
2021	$664,859	$574,998	$638,420	$89,861
2020	$234,861	$217,788	$554,619	$17,073

REEDSPORT-WINCHESTER BAY CHAMBER OF COMMERCE