FAIRFIELD OHIO CHAMBER OF COMMERCE (EIN 310626886) - 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

1982

Legal Domicile

Principal Officer

PEGGY EMERSON

Phone

5138815500

Tax Period

2024-01-01 to 2024-12-31

FAIRFIELD OHIO CHAMBER OF COMMERCE, founded in 1982, is a small nonprofit that reported $199K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $224K exceeded revenue, resulting in a 13% operating deficit.

Mission

THE CHAMBER OF COMMERCE IS TO SERVE ITS MEMBERS THROUGH SEMINARS, EXPOS, AND OTHER ACTIVITIES THAT BENEFIT ITS MEMBERS AND THE BUSINESS COMMUNITY IN GENERAL.

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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 $170,048

Investment Income $997

Other Revenue $28,042

TOTAL REVENUE $199,087

Expense Breakdown

Grants Paid $0

Salaries & Benefits $142,041

Fundraising Expenses $0

Other Expenses $82,292

TOTAL EXPENSES $224,333

Year-over-Year Comparison

	2024	2023	Change
Revenue	$199,087	$182,749	+0.1%
Expenses	$224,333	$212,808	+0.1%
Net Income	$-25,246	$-30,059	-0.2%

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

$77,764

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PEGGY EMERSON	PRESIDENT	40.00	Officer	$77,764	$0	$77,764
SCOTT CLARK	DIRECTOR	1.00	Director	$0	$0	$0
DIANE GLOVER	DIRECTOR	1.00	Director	$0	$0	$0
LAURA HICKS	DIRECTOR	1.00	Director	$0	$0	$0
NATHANIEL KAELIN	DIRECTOR	1.00	Director	$0	$0	$0
JUSTIN KRUEGER	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE MYERS	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS ROBERTSON	DIRECTOR	1.00	Director	$0	$0	$0
CAROL VENN	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE BELLA	CHAIRPERSON	2.00	Officer	$0	$0	$0
RONALD EVANS	TREASURER	2.00	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	No data	No data	No data	No data
2024	$199,087	$224,333	$176,663	$-25,246
2023	$182,749	$212,808	$170,782	$-30,059
2022	$211,791	$248,808	$230,981	$-37,017
2021	$259,113	$245,375	$271,150	$13,738
2020	$219,429	$253,132	$248,960	$-33,703
2019	$249,914	$251,723	$282,601	$-1,809
2018	$258,722	$263,992	$304,187	$-5,270

FAIRFIELD OHIO CHAMBER OF COMMERCE