THE CHAMBER OF COMMERCE (EIN 310506566) - Form 990 Financial Analysis & Trantor Score

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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

1944

Legal Domicile

Tax Period

2025-01-01 to 2025-12-31

THE CHAMBER OF COMMERCE, founded in 1944, is a small nonprofit that reported $302K in total revenue in fiscal year 2025. Expenses of $279K left a modest 8% surplus.

Mission

THE CHAMBER OF COMMERCE PRIDES ITSELF IN UPHOLDING ITS MISSION TO OFFER BENEFITS AND SERVICES THAT ENHANCE MEMBERS CAPACITY TO REALIZE THEIR BUSINESS GOALS, SERVE AS A A SOURCE OF LEADERSHIP AND PROMOTE IMPROVED QUALITY OF LIFE FOR THE MID-MIAMI VALLEY AREA

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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 $186,803

Program Service Revenue $83,208

Investment Income $13,514

Other Revenue $18,491

TOTAL REVENUE $302,016

Expense Breakdown

Grants Paid $0

Salaries & Benefits $158,726

Fundraising Expenses $0

Program Expenses $149,893

Other Expenses $120,531

TOTAL EXPENSES $279,257

Year-over-Year Comparison

	2025	2024	Change
Revenue	$302,016	$302,341	0.0%
Expenses	$279,257	$261,997	+0.1%
Net Income	$22,759	$40,344	-0.4%

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
JASON MANNI	AT-LARGE MEMBER	0.00	Director	$0	$0	$0
BRADY FENING	AT-LARGE MEMBER	0.00	Director	$0	$0	$0
RICK PEARCE	PRESIDENT	40.00	Highest	$0	$0	$0
SHANNON BANNERMAN	CHAIR	3.00	Officer	$0	$0	$0
JON GRAFT	VICE CHAIR	2.00	Officer	$0	$0	$0
BOB SOMMERS	VICE CHAIR	0.00	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	$302,016	$279,257	$577,485	$22,759
2024	$302,341	$261,997	$574,218	$40,344
2023	$297,585	$260,532	$533,292	$37,053
2022	$280,533	$263,309	$492,527	$17,224
2021	$232,262	$231,009	$476,005	$1,253
2020	$255,248	$264,251	$474,873	$-9,003
2019	$289,986	$261,695	$497,341	$28,291
2018	$284,765	$283,122	$475,418	$1,643

THE CHAMBER OF COMMERCE