THE COLUMBIA MONTOUR 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

1941

Legal Domicile

Principal Officer

CHRIS BERLETH

Phone

5707842522

Tax Period

2024-04-01 to 2025-03-31

THE COLUMBIA MONTOUR CHAMBER OF COMMERCE, founded in 1941, is a small nonprofit that reported $364K in total revenue in fiscal year 2024. Revenue fell 27% from the prior year — a significant decline worth monitoring. Expenses of $344K left a modest 5% surplus.

Mission

THE COLUMBIA MONTOUR CHAMBER OF COMMERCE REPRESENTS LOCAL EMPLOYERS IN SUPPORTING VIBRANT, SUSTAINABLE COMMUNITIES IN COLUMBIA AND MONTOUR COUNTIES.

Program Service Accomplishments

Program 1

BUSINESS CONNECTIONS- HOSTING EVENTS WHICH ENGAGE THE BUSINESS COMMUNITY; BENEFITS PROGRAM- COMMUNICATING BUSINESS INFORMATION WITH MEMBERS THROUGH PUBLICATIONS AND COST-SAVINGS PROGRAMS...

BUSINESS CONNECTIONS- HOSTING EVENTS WHICH ENGAGE THE BUSINESS COMMUNITY; BENEFITS PROGRAM- COMMUNICATING BUSINESS INFORMATION WITH MEMBERS THROUGH PUBLICATIONS AND COST-SAVINGS PROGRAMS; STRENGTHENING COMMUNITIES- PROMOTION OF HEALTHY DOWNTOWNS AND ACTIVITIES; ADVOCACY- SERVING AS AN ADVOCATE FOR BUSINESS-FRIENDLY POLICY AND AS A TRUSTED SOURCE OF INFORMATION TO MEMBERS; EMPLOYEE DEVELOPMENT-OFFERING WORKFORCE AND EMPLOYABILITY SKILLS DEVELOPMENT AND TRAINING PROGRAMS; SUPPORT FOR SUBSIDIARY ORGANIZATIONS WHICH PROMOTE DOWNTOWN DEVELOPMENT AND CONNECTIONS BETWEEN BUSINESS & EDUCATION AND ACTIVITIES IN ADDITION TO NORMAL CHAMBER OF COMMERCE FUNCTIONS SUCH AS DISBURSING INFORMATION TO THE PUBLIC.

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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 $287,887

Investment Income $11,903

Other Revenue $64,432

TOTAL REVENUE $364,222

Expense Breakdown

Grants Paid $0

Salaries & Benefits $207,994

Fundraising Expenses $0

Other Expenses $136,366

TOTAL EXPENSES $344,360

Year-over-Year Comparison

	2024	2023	Change
Revenue	$364,222	$498,403	-0.3%
Expenses	$344,360	$390,011	-0.1%
Net Income	$19,862	$108,392	-0.8%

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

$81,112

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BOB STOUDT	CHAIRMAN	2.00	Officer Director	$0	$0	$0
RENEE GERRINGER	VICE CHAIR	2.00	Officer Director	$0	$0	$0
AARON STAGLIANO	VICE CHAIR	2.00	Officer Director	$0	$0	$0
M HOLLY MORRISON	TREASURER	2.00	Officer Director	$0	$0	$0
JEFF CERMINARO	DIRECTOR	2.00	Director	$0	$0	$0
CHRIS HILL	DIRECTOR	2.00	Director	$0	$0	$0
JASON HUFF	DIRECTOR	2.00	Director	$0	$0	$0
JON LITTLEWOOD	DIRECTOR	2.00	Director	$0	$0	$0
ADRIENNE MAEL	DIRECTOR	2.00	Director	$0	$0	$0
JESSICA MCNAMARA	DIRECTOR	2.00	Director	$0	$0	$0
MIKE MORGAN	DIRECTOR	2.00	Director	$0	$0	$0
NOAH NAPARSTECK	DIRECTOR	2.00	Director	$0	$0	$0
JOSH NESPOLI	DIRECTOR	2.00	Director	$0	$0	$0
BRUCE SCHLICHTER	DIRECTOR	2.00	Director	$0	$0	$0
DEB SHADE	DIRECTOR	2.00	Director	$0	$0	$0
TODD SHAWVER	DIRECTOR	2.00	Director	$0	$0	$0
DENICE STONE	DIRECTOR	2.00	Director	$0	$0	$0
DAVID UTT	DIRECTOR	2.00	Director	$0	$0	$0
TIM WAGNER	DIRECTOR	2.00	Director	$0	$0	$0
CHUCK WOOD	DIRECTOR	2.00	Director	$0	$0	$0
CHRIS BERLETH	PRESIDENT	40.00	Officer	$75,269	$5,843	$81,112

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	$364,222	$344,360	$722,152	$19,862
2024	$498,403	$390,011	$690,469	$108,392
2023	$311,061	$330,909	$608,099	$-19,848
2022	$316,650	$269,959	$666,013	$46,691
2021	$256,055	$237,081	$605,292	$18,974
2020	$290,178	$283,598	$502,161	$6,580
2019	$280,020	$278,023	$536,425	$1,997

THE COLUMBIA MONTOUR CHAMBER OF COMMERCE