FAIRBORN 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

1963

Legal Domicile

Principal Officer

AMANDA SPEAKMAN

Phone

9378783191

Tax Period

2024-01-01 to 2024-12-31

FAIRBORN AREA CHAMBER OF COMMERCE, founded in 1963, is a small nonprofit that reported $184K in total revenue in fiscal year 2024. Revenue grew 15% year-over-year, indicating healthy expansion.

Mission

TO PROMOTE A HEALTHY BUSINESS CLIMATE

Program Service Accomplishments

Program 1

Expenses: $188,562 Revenue: $141,190

MEMBERS OF THE BUSINESS COMMUNITY HAVE COORDINATED SOCIAL, PROFESSIONAL, EDUCATIONAL, AND OTHER BUSINESS EVENTS WHERE THE STATUS OF THE COMMUNITY OF FAIRBORN HAS BEEN ENHANCED.

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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 $40,960

Program Service Revenue $141,190

Investment Income $1,947

Other Revenue $0

TOTAL REVENUE $184,097

Expense Breakdown

Grants Paid $0

Salaries & Benefits $93,964

Fundraising Expenses $0

Program Expenses $188,562

Other Expenses $94,598

TOTAL EXPENSES $188,562

Year-over-Year Comparison

	2024	2023	Change
Revenue	$184,097	$160,556	+0.1%
Expenses	$188,562	$189,949	0.0%
Net Income	$-4,465	$-29,393	-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

N/A

Independent Members

N/A

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
BRENDA SMITH	IMMEDIATE PAST PRESDIENT	5.00	Officer	$0	$0	$0
AMANDA SPEAKMAN	PRESIDENT	5.00	Officer	$0	$0	$0
GREG NIJAK	TREASURER	5.00	Officer	$0	$0	$0
CARRIE MARTIN	VICE PRESIDENT	5.00	Officer	$0	$0	$0
JASON ERDMANN	SECRETARY	5.00	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
2024	$184,097	$188,562	$315,065	$-4,465