ATHENS AREA CHAMBER OF COMMERCE (EIN 310670449) - 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

Legal Domicile

Principal Officer

KRISTIN MILLER

Phone

7405939353

Tax Period

2024-04-01 to 2025-03-31

ATHENS AREA CHAMBER OF COMMERCE is a small nonprofit that reported $219K in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year. Expenses of $262K exceeded revenue, resulting in a 20% operating deficit.

Mission

TO FOSTER ECONOMIC DEVELOPMENT

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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 $121,180

Program Service Revenue $97,968

Investment Income $0

Other Revenue $0

TOTAL REVENUE $219,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $162,701

Fundraising Expenses $0

Other Expenses $99,712

TOTAL EXPENSES $262,413

Year-over-Year Comparison

	2024	2023	Change
Revenue	$219,148	$252,239	-0.1%
Expenses	$262,413	$273,721	0.0%
Net Income	$-43,265	$-21,482	+1.0%

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

$67,798

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRISTIN MILLER	PRESIDENT	40.00	Officer	$67,798	$0	$67,798
JON DAILEY	CHAIR	5.00	Officer	$0	$0	$0
KRISTIN GARDNER	SECRETARY	5.00	Officer	$0	$0	$0
DONNA RUSSELL	VICE CHAIR	5.00	Officer	$0	$0	$0
DAN STROH	TREASURER	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
2025	$219,148	$262,413	$136,764	$-43,265
2024	$252,239	$273,721	$178,992	$-21,482
2023	$198,986	$204,045	$207,319	$-5,059
2022	$175,422	$164,830	$200,663	$10,592
2021	$131,692	$155,685	$192,083	$-23,993
2020	$214,343	$198,406	$190,091	$15,937
2019	$192,860	$202,410	$158,696	$-9,550

ATHENS AREA CHAMBER OF COMMERCE