GETTYSBURG ADAMS CHAMBER OF COMMERCE (EIN 231332240) - 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

1919

Legal Domicile

Principal Officer

CARRIE S STUART

Phone

7173348151

Tax Period

2024-07-01 to 2025-06-30

GETTYSBURG ADAMS CHAMBER OF COMMERCE, founded in 1919, is a small nonprofit that reported $433K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

THE GETTYSBURG ADAMS CHAMBER OF COMMERCE SUPPORTS AND STRENGTHENS OUR MEMBERS AND THE ADAMS COUNTY AREA BY PROMOTING DIVERSE ECONOMIC OPPORTUNITIES THROUGH ADVOCACY, BUILDING RELATIONSHIPS, PROVIDING TIMELY INFORMATION AND DEVELOPING LEADERS FOR THE FUTURE.

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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 $138,677

Program Service Revenue $257,567

Investment Income $0

Other Revenue $36,642

TOTAL REVENUE $432,886

Expense Breakdown

Grants Paid $0

Salaries & Benefits $217,394

Fundraising Expenses $135,817

Other Expenses $229,509

TOTAL EXPENSES $446,903

Year-over-Year Comparison

	2024	2023	Change
Revenue	$432,886	$387,551	+0.1%
Expenses	$446,903	$435,151	+0.0%
Net Income	$-14,017	$-47,600	-0.7%

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

200

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

$70,000

Total Directors

$70,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARRIE S STUART	PRESIDENT	40.00	Officer Director	$70,000	$0	$70,000
DARLENE BROWN	DIRECTOR	1.00	Director	$0	$0	$0
ISAAC BUCHER	IMMEDIATE PA	1.00	Director	$0	$0	$0
MICHAEL COGLIANO	DIRECTOR	1.00	Director	$0	$0	$0
LISA DUFFY	DIRECTOR	1.00	Director	$0	$0	$0
SARAH DULL	SECRETARY	1.00	Officer Director	$0	$0	$0
SHAWN ECKENRODE	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA VAN DER GROEF	DIRECTOR	1.00	Director	$0	$0	$0
JOHN HUSSER	VICE CHAIR	1.00	Officer Director	$0	$0	$0
BRYAN JOHNSON	CHAIR	1.00	Officer Director	$0	$0	$0
PETER MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
JUDY MORLEY	TREASURER	1.00	Officer Director	$0	$0	$0
KELLY MOWER	DIRECTOR	1.00	Director	$0	$0	$0
STACEY SCHLOSSER	DIRECTOR	1.00	Director	$0	$0	$0
KATE SHAY	DIRECTOR	1.00	Director	$0	$0	$0
ALICIA STANLEY	DIRECTOR	1.00	Director	$0	$0	$0
KAREN TAVENNER	DIRECTOR	1.00	Director	$0	$0	$0
WES WAREHIME	DIRECTOR	1.00	Director	$0	$0	$0
SHARON KEBIL WISLER	DIRECTOR	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	$432,886	$446,903	$153,361	$-14,017
2024	$387,551	$435,151	$181,783	$-47,600
2023	$388,871	$378,142	$223,629	$10,729
2022	$392,700	$379,951	$198,343	$12,749
2021	$288,762	$245,645	$200,930	$43,117
2020	$417,596	$382,059	$148,162	$35,537
2019	$381,197	$406,537	$120,108	$-25,340

GETTYSBURG ADAMS CHAMBER OF COMMERCE