GREATER CHAMBERSBURG CHAMBER OF CO… - Form 990 Financial Data

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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

1911

Legal Domicile

Principal Officer

STEPHEN CHRISTIAN

Phone

7172647101

Tax Period

2025-01-01 to 2025-12-31

GREATER CHAMBERSBURG CHAMBER OF COMMERCE, founded in 1911, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2025. Expenses of $1.2M left a modest 4% surplus.

Mission

TO HELP OUR MEMBERS PROSPER AND TO ENHANCE THE QUALITY OF LIFE IN THE CHAMBERSBURG AREA.

Program Service Accomplishments

Program 1

TO ADVOCATE AND PROMOTE ECONOMIC GROWTH THROUGH THE FREE ENTERPRISE SYSTEM, TO HELP OUR MEMBERS PROSPER, TO PROMOTE PLANNED COMMUNITY GROWTH, AND TO ENHANCE THE QUALITY OF LIFE IN THE CHAMBERSBURG...

TO ADVOCATE AND PROMOTE ECONOMIC GROWTH THROUGH THE FREE ENTERPRISE SYSTEM, TO HELP OUR MEMBERS PROSPER, TO PROMOTE PLANNED COMMUNITY GROWTH, AND TO ENHANCE THE QUALITY OF LIFE IN THE CHAMBERSBURG AREA. THE CHAMBER IS DIRECTED BY A 21-PERSON BOARD OF DIRECTORS AND SERVES ITS MEMBERS AND COMMUNITY THROUGH A VARIETY OF ORGANIZATIONS AND COMMITTEES. THE CHAMBER FOSTERS BUSINESS, ECONOMIC, AND COMMUNITY GROWTH THROUGH PROACTIVE LEADERSHIP IN THE GREATER CHAMBERSBURG AREA. THROUGH MORE THAN NINE DECADES OF SERVICE, THE CHAMBER REMAINS AN ADVOCATE FOR THE LOCAL ECONOMIC HEALTH OF THE COMMUNITY THROUGH THE SUPPORT OF ITS AFFILIATE ORGANIZATIONS AND COMMITTEES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $47,930

Program Service Revenue $1,170,150

Investment Income $38,487

Other Revenue $5,274

TOTAL REVENUE $1,261,841

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,013,900

Fundraising Expenses $0

Other Expenses $203,685

TOTAL EXPENSES $1,217,585

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,261,841	$1,241,603	+0.0%
Expenses	$1,217,585	$1,186,189	+0.0%
Net Income	$44,256	$55,414	-0.2%

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

$217,403

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL KICK	CHAIRMAN OF THE BOARD	5.00	Officer Director	$0	$0	$0
DAVID GRANT	IMMEDIATE PAST CHAIR	1.00	Officer Director	$0	$0	$0
MELANIE HOFFMAN	SECRETARY	2.00	Officer Director	$0	$0	$0
JASON CRIDER	TREASURER	1.00	Officer Director	$0	$0	$0
ANGELA QUIGLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
CARLA CHRISTIAN	BOARD MEMBER	1.00	Director	$0	$0	$0
ADAM DONIUS	INCOMING CHAIR	1.00	Director	$0	$0	$0
NIKI HINCKLE	BOARD MEMBER	1.00	Director	$0	$0	$0
MARK STORY	BOARD MEMBER	1.00	Director	$0	$0	$0
ANTHONY BAGLEY	BOARD MEMBER	1.00	Director	$0	$0	$0
WESLEY FUGATE	BOARD MEMBER	1.00	Director	$0	$0	$0
MONICA SHOEMAKER	BOARD MEMBER	1.00	Director	$0	$0	$0
KACIE GELSINGER	BOARD MEMBER	1.00	Director	$0	$0	$0
TOM TRGOVAC	BOARD MEMBER	1.00	Director	$0	$0	$0
ALEX SHARPE ESQ	BOARD MEMBER	1.00	Director	$0	$0	$0
DEREK TAYLOR	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN ZOELLER	BOARD MEMBER	1.00	Director	$0	$0	$0
STEVE THOMAS	BOARD MEMBER	1.00	Director	$0	$0	$0
STEPHEN CHRISTIAN	PRESIDENT	40.00	Officer	$201,029	$16,374	$217,403
DAN BAER	FOUNDATION PRESIDENT	2.00	Officer	$0	$0	$0
ERIC FOREMAN	CADC VICE PRESIDENT	2.00	Officer	$0	$0	$0
JENNA KACZMAREK	DCI CHAIR	2.00	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
2025	$1,261,841	$1,217,585	$910,052	$44,256
2024	$1,241,603	$1,186,189	$872,058	$55,414
2023	$1,202,091	$1,071,875	$806,191	$130,216
2022	$1,081,128	$1,080,106	$680,701	$1,022
2021	$1,205,730	$1,056,102	$742,907	$149,628
2020	$1,036,880	$954,924	$767,853	$81,956
2019	$1,012,191	$1,032,848	$659,262	$-20,657
2018	$1,048,856	$975,048	$645,930	$73,808

GREATER CHAMBERSBURG CHAMBER OF COMMERCE