OXFORD AREA CHAMBER OF COMMERCE

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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

1964

Legal Domicile

Principal Officer

DENNIS MCCARTNEY

Phone

6109320740

Tax Period

2023-01-01 to 2023-12-31

OXFORD AREA CHAMBER OF COMMERCE, founded in 1964, is a small nonprofit in the Community Improvement sector that reported $178K in total revenue in fiscal year 2023. Revenue grew 14% year-over-year, indicating healthy expansion. The organization ran a surplus of $37K, a strong 21% operating margin.

Mission

THE OXFORD AREA CHAMBER OF COMMERCE IS DEDICATED TO PROMOTING AND STRENGTHENING THE QUALITY OF LIFE THROUGHOUT THE GREATER OXFORD COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $140,537

EVENTS TO BRING BUSINESS MEMBERS OF THE COMMUNITY TOGETHER

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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 $5,000

Program Service Revenue $159,192

Investment Income $4,509

Other Revenue $9,201

TOTAL REVENUE $177,902

Expense Breakdown

Grants Paid $0

Salaries & Benefits $47,500

Fundraising Expenses $0

Program Expenses $140,537

Other Expenses $93,037

TOTAL EXPENSES $140,537

Year-over-Year Comparison

	2023	2022	Change
Revenue	$177,902	$156,079	+0.1%
Expenses	$140,537	$142,479	0.0%
Net Income	$37,365	$13,600	+1.7%

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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JIM COARSE	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
RYAN CROTHAMEL	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
ANITA D'AMICO	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
WINIFRED SEBASTIAN ESQ	CHAMBER COUN	N/A	Officer Director	$0	$0	$0
JODI FARROW	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
DOUGLAS FASICK	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
RICH HANNUM	CHAIRMAN	N/A	Officer Director	$0	$0	$0
ANGIE LOBB	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
CLIFF MASSCOTTE	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
DENNIS MCCARTNEY	PRESIDENT	N/A	Officer Director	$0	$0	$0
JOHN MCGLOTHLIN	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
CRYSTAL MESSAROS	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
GARY PAWLICZEK	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
DAWN SMULLEN	TREASURER	N/A	Officer Director	$0	$0	$0
MICHAEL STAFFIERI	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
KIMBERLY STOUT	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
HELEN WARREN	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
DAVID WOODS	BOARD MEMBER	N/A	Officer Director	$0	$0	$0
JOE YURICK	BOARD MEMBER	N/A	Officer 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
2023	$177,902	$140,537	$220,962	$37,365