FRANKLIN 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

1913

Legal Domicile

Principal Officer

JOSH JOLLEY

Tax Period

2025-01-01 to 2025-12-31

FRANKLIN AREA CHAMBER OF COMMERCE, founded in 1913, is a small nonprofit that reported $283K in total revenue in fiscal year 2025. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $58K, a strong 21% operating margin.

Mission

THE FRANKLIN AREA CHAMBER OF COMMERCE HAS BEEN REPRESENTING THE INTEREST OF THE LOCAL BUSINESS COMMUNITY IN FRANKLIN, PA SINCE 1913. OUR MISSION IS TO PROVIDE LEADERSHIP FOR THE BUSINESS COMMUNITY.

Program Service Accomplishments

Program 1

THE CHAMBER ACCOMPLISHED ITS PROGRAM GOALS BY PROVIDING LEADERSHIP FOR THE BUSINESS COMMUNITY BY PROVIDING ECONOMIC, EDUCATIONAL, AND LEGISLATIVE INFORMATION AND ASSISTANCE WHICH CAN BE USED BY...

THE CHAMBER ACCOMPLISHED ITS PROGRAM GOALS BY PROVIDING LEADERSHIP FOR THE BUSINESS COMMUNITY BY PROVIDING ECONOMIC, EDUCATIONAL, AND LEGISLATIVE INFORMATION AND ASSISTANCE WHICH CAN BE USED BY MEMBERS TO ACHIEVE PROFIT, PROGRESS AND PROSPERITY. OUR PROGRAM GOALS ARE TO WORK TOGETHER WITH OUR MEMBERS TO IMPROVE THE LOCAL BUSINESS CLIMATE, RECRUITING AND RETAINING BUSINESS AND INDUSTRY, ATTRACTING VISTORS, AND USING OUR COMBINED INFLUENCE FOR LEGISLATION THAT SUPPORTS ALL OF OUR PROGRAM GOALS. EACH YEAR WE CONTINUE TO GROW AND MEMBERSHIP INCREASES. OUR MONTHLY CHAMBER NEWSLETTER HAS HELPED US ACCOMPLISH OUR PROGRAM GOALS AND CONTINUES TO IMPROVE.

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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 $100,991

Program Service Revenue $0

Investment Income $690

Other Revenue $180,838

TOTAL REVENUE $282,519

Expense Breakdown

Grants Paid $0

Salaries & Benefits $123,391

Fundraising Expenses $0

Other Expenses $100,994

TOTAL EXPENSES $224,385

Year-over-Year Comparison

	2025	2024	Change
Revenue	$282,519	$237,495	+0.2%
Expenses	$224,385	$230,146	0.0%
Net Income	$58,134	$7,349	+6.9%

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
GARY COLLINS	DIRECTOR	N/A	Director	$0	$0	$0
STEPHANIE FELMLEE	DIRECTOR	N/A	Director	$0	$0	$0
JASEN FRY	DIRECTOR	N/A	Director	$0	$0	$0
BOB MOORE	DIRECTOR	N/A	Director	$0	$0	$0
HEIDI PHILLIPS	DIRECTOR	N/A	Director	$0	$0	$0
MALLORY PIERCY	DIRECTOR	N/A	Director	$0	$0	$0
RYAN RUDEGEAIR	DIRECTOR	N/A	Director	$0	$0	$0
JOSH JOLLEY	PRESIDENT	N/A	Officer	$0	$0	$0
ALLEN SHARRER	VICE PRESIDE	N/A	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	$282,519	$224,385	$296,534	$58,134
2024	No data	No data	No data	No data
2023	$205,804	$207,835	$277,641	$-2,031
2022	$152,827	$142,162	$357,081	$10,665
2021	$177,696	$144,522	$347,167	$33,174
2020	$138,433	$169,700	$325,948	$-31,267
2019	$210,843	$258,364	$420,000	$-47,521
2018	$206,814	$234,021	$522,231	$-27,207