DAYTON 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

1907

Legal Domicile

Principal Officer

CHRISTOPHER KERSHNER

Phone

9372261444

Tax Period

2023-01-01 to 2023-12-31

DAYTON AREA CHAMBER OF COMMERCE, founded in 1907, is a community nonprofit that reported $2.9M in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $2.6M left a modest 10% surplus.

Mission

THE CHAMBER IS A MEMBER ASSOCIATION DESIGNED TO BE THE LEADING ADVOCATE FOR THE BUSINESS COMMUNITY OF THE GREATER DAYTON REGION. ITS MISSION IS TO WORK SHOULDER TO SHOULDER WITH BUSINESSES TO HELP THEM SUCCEED.

Program Service Accomplishments

Program 1

COMMUNITY LEADERSHIP ORIENTATION PROGRAM TO DEVELOP CURRENT AND FUTURE COMMUNITY LEADERS. (PARTICIPANTS: 372)

Program 2

NETWORKING OPPORTUNITIES FOR MEMBERS. (PARTICIPANTS: 2,337)

Program 3

OFFERED PROGRAMMING ON WORKPLACE SAFETY. (PARTICIPANTS: 2002)

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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 $427,408

Program Service Revenue $1,909,576

Investment Income $45,710

Other Revenue $521,436

TOTAL REVENUE $2,904,130

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,621,762

Fundraising Expenses $0

Other Expenses $988,121

TOTAL EXPENSES $2,609,883

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,904,130	$2,625,413	+0.1%
Expenses	$2,609,883	$2,442,505	+0.1%
Net Income	$294,247	$182,908	+0.6%

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

418

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

$506,537

Total Directors

$289,165

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER KERSHNER	PRESIDENT & CEO	1.00	Officer Director	$263,560	$25,605	$289,165
LINDA ASHWORTH	CHIEF OPERATING OFFICER	1.00	Officer	$191,000	$26,372	$217,372
BELINDA MATTHEWS STENSON	DIRECTOR, MBP	1.00	Highest	$118,000	$18,358	$136,358
JACQUELINE GAMBLIN	CHAIR	0.00	Officer Director	$0	$0	$0
DIANE PLEIMAN	VICE CHAIR	0.00	Officer Director	$0	$0	$0
JOHN GARRITY	TREASURER	0.00	Officer Director	$0	$0	$0
DAN KANE	IMMEDIATE PAST CHAIR	0.00	Officer Director	$0	$0	$0
DOUG ANSPACH	TRUSTEE	0.00	Director	$0	$0	$0
JEFF BARDONARO	TRUSTEE	0.00	Director	$0	$0	$0
CASSIE BARLOW	TRUSTEE	0.00	Director	$0	$0	$0
DOUG BARRY	TRUSTEE	0.00	Director	$0	$0	$0
JESSICA BARRY	TRUSTEE	0.00	Director	$0	$0	$0
JUDY BUDI	TRUSTEE	0.00	Director	$0	$0	$0
WILLIAM BURKE	TRUSTEE	0.00	Director	$0	$0	$0
DOUGLAS CLEAVES	TRUSTEE	0.00	Director	$0	$0	$0
STEVE CONKLIN	TRUSTEE	0.00	Director	$0	$0	$0
TOM CRONIN III	TRUSTEE	0.00	Director	$0	$0	$0
KEVIN DEWINE	TRUSTEE	0.00	Director	$0	$0	$0
DAVE DICKERSON	TRUSTEE (JOINED AUG)	0.00	Director	$0	$0	$0
RANDY DOMIGAN	TRUSTEE	0.00	Director	$0	$0	$0
SUSAN EDWARDS	TRUSTEE (LEFT MAR)	0.00	Director	$0	$0	$0
CINDY GABOURY	TRUSTEE	0.00	Director	$0	$0	$0
BENJAMIN GOODSTEIN	TRUSTEE	0.00	Director	$0	$0	$0
JENNIFER HEAPY	TRUSTEE	0.00	Director	$0	$0	$0
STEVE HELMECAMP	TRUSTEE	0.00	Director	$0	$0	$0
AMOURY HOLLINS	TRUSTEE	0.00	Director	$0	$0	$0
ANDY HORNER	TRUSTEE	0.00	Director	$0	$0	$0
SUE HULSMEYER	TRUSTEE	0.00	Director	$0	$0	$0
ELLEN KAMINSKI	TRUSTEE	0.00	Director	$0	$0	$0
AMY LEI	TRUSTEE	0.00	Director	$0	$0	$0
KRISTINA LUND	TRUSTEE (LEFT JUL)	0.00	Director	$0	$0	$0
STEVE MAGGARD	TRUSTEE	0.00	Director	$0	$0	$0
MONIQUE MCGLINCH	TRUSTEE (JOINED DEC)	0.00	Director	$0	$0	$0
JOHN MCKENZIE	TRUSTEE (LEFT JAN)	0.00	Director	$0	$0	$0
SHANDA MCKINNEY	TRUSTEE	0.00	Director	$0	$0	$0
DAVE MCNERNEY	TRUSTEE	0.00	Director	$0	$0	$0
CHRISTOPHER MEEKER	TRUSTEE	0.00	Director	$0	$0	$0
MICHAEL MEWHIRTER	TRUSTEE (JOINED JAN)	0.00	Director	$0	$0	$0
JEFF MIMS JR	TRUSTEE	0.00	Director	$0	$0	$0
JASON PRAETER	TRUSTEE	0.00	Director	$0	$0	$0
TOM RAGA	TRUSTEE (JOINED AUG)	0.00	Director	$0	$0	$0
RAJAN RAJENDRAN	TRUSTEE	0.00	Director	$0	$0	$0
CHRIS RAMMEL	TRUSTEE (JOINED MAY)	0.00	Director	$0	$0	$0
CAROLYN RICE	TRUSTEE	0.00	Director	$0	$0	$0
JESSICA SALEM	TRUSTEE	0.00	Director	$0	$0	$0
GREG SAMPLE	TRUSTEE (JOINED MAR)	0.00	Director	$0	$0	$0
CHARLYNDA SCALES	TRUSTEE	0.00	Director	$0	$0	$0
MATT SCHNELLE	TRUSTEE	0.00	Director	$0	$0	$0
ANNE MARIE SINGLETON	TRUSTEE	0.00	Director	$0	$0	$0
JACK THOMAS PHD	TRUSTEE (LEFT JUN)	0.00	Director	$0	$0	$0
STEVE TIEBER	TRUSTEE	0.00	Director	$0	$0	$0
KAREN TOWNSEND	TRUSTEE	0.00	Director	$0	$0	$0
DEVON VALENCIA	TRUSTEE	0.00	Director	$0	$0	$0
VANESSA WARD	TRUSTEE	0.00	Director	$0	$0	$0
BETH WHELLEY	TRUSTEE	0.00	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
2024	No data	No data	No data	No data
2023	$2,904,130	$2,609,883	$3,586,660	$294,247
2022	$2,625,413	$2,442,505	$3,250,530	$182,908
2021	$2,751,957	$2,374,718	$3,094,369	$377,239
2020	$2,421,630	$2,197,943	$2,836,195	$223,687
2019	$2,367,895	$2,293,263	$2,645,189	$74,632
2018	$2,229,343	$2,207,755	$2,039,338	$21,588