GREATER CINCINNATI AUTOMOBILE DEAL… - 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

1946

Legal Domicile

Principal Officer

CHARLES C HOWARD

Phone

5133267100

Tax Period

2024-07-01 to 2025-06-30

GREATER CINCINNATI AUTOMOBILE DEALERS ASSOCIATION INC, founded in 1946, is a small nonprofit in the Mutual Benefit sector that reported $830K in total revenue in fiscal year 2024. Revenue fell 40% from the prior year — a significant decline worth monitoring. Expenses of $1.1M exceeded revenue, resulting in a 27% operating deficit.

Mission

TO ENCOURAGE MEASURES OR METHODS THAT WILL DIRECTLY OR INDIRECTLY PROMOTE THE COMMON BUSINESS INTERESTS OF THE AUTOMOBILE DEALERS AND THE BUYING PUBLIC IN THE AUTOMOTIVE TRADING AREA OF GREATER CINCINNATI, OHIO.

Program Service Accomplishments

Program 1

Expenses: $894,948 Revenue: $805,619

THE GCADA REPRESENTS APPROXIMATELY 91% OF THE FRANCHISED DEALERSHIPS IN GREATER CINCINNATI, NORTHERN KENTUCKY AND SOUTHEAST INDIANA. THERE ARE APPROXIMATELY 80 DEALERSHIP MEMBERS REPRESENTING BOTH...

THE GCADA REPRESENTS APPROXIMATELY 91% OF THE FRANCHISED DEALERSHIPS IN GREATER CINCINNATI, NORTHERN KENTUCKY AND SOUTHEAST INDIANA. THERE ARE APPROXIMATELY 80 DEALERSHIP MEMBERS REPRESENTING BOTH DOMESTIC AND IMPORT FRANCHISES. THE ASSOCIATION ALSO OFFERS ASSOCIATE MEMBERSHIP OPPORTUNITIES TO BUSINESSES THAT DIRECTLY PROVIDE PRODUCTS AND SERVICES FOR GCADA'S MEMBER DEALERSHIPS.THE GCADA PROVIDES A VARIETY OF SERVICES TO ITS MEMBERS SOME OF WHICH INCLUDE:1) OPERATION OF THE DOWNTOWN LICENSE BUREAU TO EXPEDITE TITLING AND REGISTRATION PROCESSES.2) RECEIPT AND DISTRIBUTION OF LEGAL AND REGULATORY INFORMATION3) "WWW.CINCINNATICARS.COM" INTERNET USED CAR LOCATOR SERVICES4) THE AUTO DEALERS CO-OP, PURCHASING COOPERATIVE5) TRAINING WEBINAR PROGRAMS FOR DEALERS AND DEALERSHIP EMPLOYEES6) AVAILABILITY OF CLASSROOM AND BOARDROOM FOR DEALERSHIP MEETINGSTHE GCADA IS A MEMBER OF THE OHIO AUTOMOBILE DEALERS ASSOCIATION (OADA), THE NATIONAL AUTOMOBILE DEALERS ASSOCIATION, (NADA), AND AUTOMOTIVE TRADE ASSOCIATION EXECUTIVES (ATAE).

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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 $745,619

Investment Income $28,844

Other Revenue $55,071

TOTAL REVENUE $829,534

Expense Breakdown

Grants Paid $0

Salaries & Benefits $739,284

Fundraising Expenses $57,951

Program Expenses $894,948

Other Expenses $312,051

TOTAL EXPENSES $1,051,335

Year-over-Year Comparison

	2024	2023	Change
Revenue	$829,534	$1,382,648	-0.4%
Expenses	$1,051,335	$1,637,850	-0.4%
Net Income	$-221,801	$-255,202	-0.1%

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

$141,173

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDY FRENCH	PRESIDENT	1.00	Officer Director	$0	$0	$0
ED KEADY	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
RICH WINTERMAN	SECRETARY - TREASURER	1.00	Officer Director	$0	$0	$0
SARAH SWEENEY-SABBAGH	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
ROBERT SABBAGH	TRUSTEE	1.00	Director	$0	$0	$0
TOM FIEHRER	TRUSTEE	1.00	Director	$0	$0	$0
TED REIDY	TRUSTEE	1.00	Director	$0	$0	$0
DAN PULTE	TRUSTEE	1.00	Director	$0	$0	$0
CATHERINE ZIMMER	TRUSTEE	1.00	Director	$0	$0	$0
CHRIS WILLIAMS	TRUSTEE	1.00	Director	$0	$0	$0
MATT LOCKWOOD	TRUSTEE	1.00	Director	$0	$0	$0
NOAH BRAUER	TRUSTEE	1.00	Director	$0	$0	$0
RICK ROYER	TRUSTEE	1.00	Director	$0	$0	$0
JOE BUSAM	TRUSTEE	1.00	Director	$0	$0	$0
DAN MERCURIO	TRUSTEE	1.00	Director	$0	$0	$0
TREY WOESTE	TRUSTEE	1.00	Director	$0	$0	$0
JASON SINK	TRUSTEE	1.00	Director	$0	$0	$0
RICH WINTERMAN	TRUSTEE	1.00	Director	$0	$0	$0
CHARLIE HOWARD	EXECUTIVE VICE PRESIDENT	40.00	Officer	$133,100	$8,073	$141,173

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	$829,534	$1,051,335	$642,731	$-221,801
2024	$1,382,648	$1,637,850	$885,939	$-255,202
2023	$1,238,563	$1,587,596	$760,639	$-349,033
2022	$1,152,123	$1,577,103	$1,003,695	$-424,980
2021	$1,379,600	$1,453,077	$1,490,013	$-73,477
2020	$1,529,388	$1,655,458	$1,477,405	$-126,070
2019	$2,392,562	$1,557,132	$1,637,390	$835,430
2018	$1,498,323	$1,476,618	$746,395	$21,705

GREATER CINCINNATI AUTOMOBILE DEALERS ASSOCIATION INC