UNION AREA CHAMBER OF COMMERCE (EIN 431092500) - 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

1979

Legal Domicile

Principal Officer

CHRIS DIECKHAUS

Phone

6365838979

Tax Period

2023-01-01 to 2023-12-31

UNION AREA CHAMBER OF COMMERCE, founded in 1979, is a micro nonprofit that reported $81K in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. Net assets of $203K represent 30 months of operating reserves.

Mission

BUSINESS 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 (2023)

Revenue Breakdown

Contributions & Grants $37,985

Program Service Revenue $0

Investment Income $1,154

Other Revenue $41,564

TOTAL REVENUE $80,703

Expense Breakdown

Grants Paid $3,500

Salaries & Benefits $49,023

Fundraising Expenses $0

Program Expenses $30,309

Other Expenses $35,293

TOTAL EXPENSES $87,816

Year-over-Year Comparison

	2023	2022	Change
Revenue	$80,703	$89,197	-0.1%
Expenses	$87,816	$77,441	+0.1%
Net Income	$-7,113	$11,756	-1.6%

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

$45,500

Total Directors

$45,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHRYN GAITHER	SECRETARY	40.00	Officer Director	$45,500	$0	$45,500
RENNY CANADAY	BOARD MEMBER	1.00	Director	$0	$0	$0
CHRIS DIECKHAUS	PRESIDENT	5.00	Officer Director	$0	$0	$0
SCOTT HAYES	BOARD MEMBER	1.00	Director	$0	$0	$0
CASSIE HOMEYER	BOARD MEMBER	1.00	Director	$0	$0	$0
KRISTI KEE	BOARD MEMBER	1.00	Director	$0	$0	$0
DEVIN KELLY	BOARD MEMBER	1.00	Director	$0	$0	$0
TRAVIS KESSELS	BOARD MEMBER	1.00	Director	$0	$0	$0
STEFFANI MCCRARY	BOARD MEMBER	1.00	Director	$0	$0	$0
ASHLEY MERCER	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
DENNIS NEVILLS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN PICKARD	BOARD MEMBER	1.00	Director	$0	$0	$0
JAMES SCHMIEDER	BOARD MEMBER	1.00	Director	$0	$0	$0
ERIC SCHMUKE	BOARD MEMBER	1.00	Director	$0	$0	$0
ROBERT SCHMUKE	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE VERMILLION	TREASURER	5.00	Officer Director	$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	No data	No data	No data	No data
2023	$80,703	$87,816	$205,511	$-7,113
2022	$89,197	$77,441	$212,359	$11,756
2021	$69,058	$73,291	$198,665	$-4,233
2020	$66,943	$79,109	$203,711	$-12,166
2019	$83,397	$70,719	$226,003	$12,678
2018	$82,091	$67,387	$233,700	$14,704

UNION AREA CHAMBER OF COMMERCE