KETTERING MORAINE OAKWOOD AREA CHAMBER OF COMMERCE INC (EIN 310744515) - 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

1957

Legal Domicile

Principal Officer

TOBY HUELSMAN

Phone

9372993852

Tax Period

2023-01-01 to 2023-12-31

KETTERING MORAINE OAKWOOD AREA CHAMBER OF COMMERCE INC, founded in 1957, is a micro nonprofit that reported $95K in total revenue in fiscal year 2023. Revenue fell 21% from the prior year — a significant decline worth monitoring. Expenses of $89K left a modest 6% surplus.

Mission

WE PROVIDE BUSINESS SUPPORT THROUGH FUNDRAISING THAT AIMS TO ADVANCE PROSPERITY IN OUR COMMUNITY.

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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 $55,485

Program Service Revenue $500

Investment Income $0

Other Revenue $38,919

TOTAL REVENUE $94,904

Expense Breakdown

Grants Paid $200

Salaries & Benefits $61,438

Fundraising Expenses $17,816

Program Expenses $23,436

Other Expenses $23,617

TOTAL EXPENSES $89,336

Year-over-Year Comparison

	2023	2022	Change
Revenue	$94,904	$120,841	-0.2%
Expenses	$89,336	$111,566	-0.2%
Net Income	$5,568	$9,275	-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

100

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

$56,860

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ERIC EVANS	CHAIR	1.00	Officer Director	$0	$0	$0
TOBY HUELSMAN	TREASURER	1.00	Officer Director	$0	$0	$0
ANTHONY COLUSSI	BOARD MEMBER	1.00	Director	$0	$0	$0
ALINA JOSEPH	BOARD MEMBER	1.00	Director	$0	$0	$0
CINDY GABOURY	BOARD MEMBER	1.00	Director	$0	$0	$0
KATIE OVERHOLSER	BOARD MEMBER	1.00	Director	$0	$0	$0
RYAN KELSEY	BOARD MEMBER	1.00	Director	$0	$0	$0
HEATHER MATTHEWS	BOARD MEMBER	1.00	Director	$0	$0	$0
CINDY RICE	BOARD MEMBER	1.00	Director	$0	$0	$0
KAITLIN SWIFT	SECRETARY	40.00	Officer	$27,980	$0	$27,980
ANN-LISA ALLEN	PRESIDENT	25.00	Officer	$28,880	$0	$28,880

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	$94,904	$89,336	$5,691	$5,568
2022	$120,841	$111,566	$2,130	$9,275
2021	$130,970	$125,158	$6,391	$5,812
2020	$98,037	$111,874	$4,406	$-13,837
2019	$123,085	$118,580	$2,099	$4,505
2018	$127,155	$122,963	$2,765	$4,192

KETTERING MORAINE OAKWOOD AREA CHAMBER OF COMMERCE INC