CHILLICOTHE AREA CHAMBER OF COMMERCE ASSOCIATION (EIN 440198680) - 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

1954

Legal Domicile

Principal Officer

MONICA WOLF

Tax Period

2023-01-01 to 2023-12-31

CHILLICOTHE AREA CHAMBER OF COMMERCE ASSOCIATION, founded in 1954, is a small nonprofit that reported $139K in total revenue in fiscal year 2023. Revenue surged 58% from the prior year, signaling strong growth momentum.

Mission

ECONOMIC DEVELOPMENT IN CHILLICOTHE, MISSOURI.

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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 $75,502

Program Service Revenue $0

Investment Income $671

Other Revenue $62,437

TOTAL REVENUE $138,610

Expense Breakdown

Grants Paid $0

Salaries & Benefits $99,095

Fundraising Expenses $0

Other Expenses $46,777

TOTAL EXPENSES $145,872

Year-over-Year Comparison

	2023	2022	Change
Revenue	$138,610	$87,620	+0.6%
Expenses	$145,872	$153,073	0.0%
Net Income	$-7,262	$-65,453	-0.9%

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

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

$59,457

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CRYSTAL NARR	EXECUTIVE DIRECTOR	40.00	Key Emp	$57,354	$2,103	$59,457
RYAN GARDNER	DIRECTOR	0.00	Director	$0	$0	$0
ASHLEY GABRIELSON	DIRECTOR	1.00	Director	$0	$0	$0
THERESA KELLY	EX-OFFICIO MAYOR	1.00	Director	$0	$0	$0
DIANNE ODER	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS POTTER	DIRECTOR	1.00	Director	$0	$0	$0
BLAKE KELLER	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER DIXON	DIRECTOR	1.00	Director	$0	$0	$0
TOMIE WALKER	PRESIDENT	1.00	Officer Director	$0	$0	$0
MONICA WOLF	DIRECTOR	1.00	Officer Director	$0	$0	$0
KYLE MARCOLLA	PRESIDENT-ELECT	1.00	Officer Director	$0	$0	$0
ASHLEY GREENWOOD	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DYLAN LANGE	TREASURER	0.00	Officer Director	$0	$0	$0
DAN WIEBERS	PAST PRESIDENT	1.00		$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	$138,610	$145,872	$218,987	$-7,262
2022	$87,620	$153,073	$217,396	$-65,453
2021	$136,739	$116,391	$251,242	$20,348
2020	$139,973	$111,443	$234,420	$28,530
2019	$124,813	$129,693	$220,884	$-4,880
2018	$141,653	$130,199	$219,528	$11,454

CHILLICOTHE AREA CHAMBER OF COMMERCE ASSOCIATION