GREATER CARLISLE AREA CHAMBER OF COMMERCE (EIN 230457240) - 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

1969

Legal Domicile

Principal Officer

NICOLE DEARY

Phone

7172497714

Tax Period

2024-07-01 to 2025-06-30

GREATER CARLISLE AREA CHAMBER OF COMMERCE, founded in 1969, is a small nonprofit that reported $443K in total revenue in fiscal year 2024. Expenses of $489K exceeded revenue, resulting in a 11% operating deficit.

Mission

THE CARLISLE AREA CHAMBER OF COMMERCE IS DEDICATED TO SERVING THE NEEDS OF ITS BUSINESS MEMBERS BY OFFERING EDUCATIONAL AND NETWORKING PROGRAMS, BUSINESS DEVELOPMENT PROGRAMS, ADVOCACY SUPPORT AND BENEFITS, WITH THE ONE GOAL OF HELPING TO MAINTAIN A STRONG QUALITY OF LIFE IN OUR COMMUNITY.

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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 $0

Program Service Revenue $341,156

Investment Income $4,673

Other Revenue $96,683

TOTAL REVENUE $442,512

Expense Breakdown

Grants Paid $0

Salaries & Benefits $344,746

Fundraising Expenses $0

Other Expenses $144,409

TOTAL EXPENSES $489,155

Year-over-Year Comparison

	2024	2023	Change
Revenue	$442,512	$425,150	+0.0%
Expenses	$489,155	$471,646	+0.0%
Net Income	$-46,643	$-46,496	+0.0%

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

$221,148

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HAROLD BRANDT	TREASURER	2.00	Officer Director	$0	$0	$0
BRADLEY GRIFFIE	PAST CHAIR	0.50	Officer Director	$0	$0	$0
DICK MURPHY	BOARD MEMBER	0.50	Director	$0	$0	$0
EVAN DICKINSON	BOARD MEMBER	0.50	Director	$0	$0	$0
SAMUEL GLESNER	BOARD MEMBER	2.00	Director	$0	$0	$0
MARISOL BARBER	BOARD MEMBER	0.50	Director	$0	$0	$0
WILL REGAN III	BOARD MEMBER	0.50	Director	$0	$0	$0
COLLEEN FRIEND	CHAIR	0.50	Officer Director	$0	$0	$0
LAURA POTTHOFF	VICE CHAIR	0.50	Officer Director	$0	$0	$0
MICHELLE LISK	BOARD MEMBER	0.50	Director	$0	$0	$0
DAVID LOU	BOARD MEMBER	0.50	Director	$0	$0	$0
NICOLE BREWBAKER	BOARD MEMBER	0.50	Director	$0	$0	$0
KEVIN CURTIS	BOARD MEMBER	4.00	Director	$0	$0	$0
BARRIE ANN GEORGE	BOARD MEMBER	0.50	Director	$0	$0	$0
EVAN WABRICK	BOARD MEMBER	0.50	Director	$0	$0	$0
JOSHUA WEDGE	BOARD MEMBER	0.50	Director	$0	$0	$0
BETHANY ARNSPARGER	BOARD MEMBER	0.50	Director	$0	$0	$0
NICOLE DEARY	PRESIDENT	37.50	Officer	$102,869	$15,410	$221,148

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	$442,512	$489,155	$363,042	$-46,643
2024	$425,150	$471,646	$342,493	$-46,496
2023	$412,520	$471,321	$400,524	$-58,801
2022	$484,060	$416,690	$435,022	$67,370
2021	$420,624	$386,170	$446,778	$34,454
2020	$403,547	$397,485	$498,803	$6,062
2019	$477,206	$446,761	$482,299	$30,445

GREATER CARLISLE AREA CHAMBER OF COMMERCE