ATHENS CHAMBER OF COMMERCE (EIN 580144673) - 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

Principal Officer

DAVID BRADLEY

Phone

7065496800

Tax Period

2025-01-01 to 2025-12-31

ATHENS CHAMBER OF COMMERCE is a community nonprofit that reported $1.0M in total revenue in fiscal year 2025. Revenue surged 33% from the prior year, signaling strong growth momentum.

Mission

COMMUNITY AND 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 (2025)

Revenue Breakdown

Contributions & Grants $519,694

Program Service Revenue $489,353

Investment Income $13,105

Other Revenue $0

TOTAL REVENUE $1,022,152

Expense Breakdown

Grants Paid $0

Salaries & Benefits $475,329

Fundraising Expenses $0

Other Expenses $553,815

TOTAL EXPENSES $1,029,144

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,022,152	$770,997	+0.3%
Expenses	$1,029,144	$807,571	+0.3%
Net Income	$-6,992	$-36,574	-0.8%

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

Total Directors

$148,192

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID BRADLEY	PRESIDENT CE	40.00	Director	$148,192	$0	$148,192
KAT AHMED	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN BARFIELD	DIRECTOR	1.00	Director	$0	$0	$0
ERIN BARGER	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN BOGARDUS	DIRECTORS	1.00	Director	$0	$0	$0
CHAD BROWN	DIRECTOR	1.00	Director	$0	$0	$0
ANDREA DANIEL	EX-OFFICIO	1.00	Director	$0	$0	$0
KRISTEN DOUGLAS	DIRECTOR	1.00	Director	$0	$0	$0
KRISTEN DOUGLAS	DIRECTOR	1.00	Director	$0	$0	$0
EVAN ELDER	DIRECTOR	1.00	Director	$0	$0	$0
DANIEL EPTING	DIRECTOR	1.00	Director	$0	$0	$0
JANET ESTRADA	DIRECTOR	1.00	Director	$0	$0	$0
TONY FERGUSON	DIRECTOR	1.00	Director	$0	$0	$0
ERIC FLETCHER	DIRECTOR	1.00	Director	$0	$0	$0
LINDA FORD	EX-OFFICIO	1.00	Director	$0	$0	$0
KELLY GIRTZ	EX-OFFICIO	1.00	Director	$0	$0	$0
ROBERT GRIFFITH	DIRECTOR	1.00	Director	$0	$0	$0
TINO JOHSON	DIRECTOR	1.00	Director	$0	$0	$0
JASON LEONARD	DIRECTOR	1.00	Director	$0	$0	$0
ILKA MCCONNELL	EX-OFFICIO	1.00	Director	$0	$0	$0
ALLISON MCCULLICK	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MITCHELL	DIRECTOR	1.00	Director	$0	$0	$0
NATHAN MOORE	EX-OFFICIO	1.00	Director	$0	$0	$0
MICHELLE PEARSON-TUCKER	DIRECTOR	1.00	Director	$0	$0	$0
STONISH PIERCE	DIRECTOR	1.00	Director	$0	$0	$0
ALISON ROSCH	EX-OFFICIO	1.00	Director	$0	$0	$0
MONIQUE SANDERS	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER SCOTT	EX-OFFICIO	1.00	Director	$0	$0	$0
JOHNELLE SIMPSON	DIRECTOR	1.00	Director	$0	$0	$0
SUNITA SINGH	DIRECTOR	1.00	Director	$0	$0	$0
JASON SMITH	DIRECTOR	1.00	Director	$0	$0	$0
MATT STEVENS	DIRECTOR	1.00	Director	$0	$0	$0
MOLLY TALLEY	DIRECTOR	1.00	Director	$0	$0	$0
COREY WATSON	DIRECTOR	1.00	Director	$0	$0	$0
KATIE WILLIAMS	EX-OFFICIO	1.00	Director	$0	$0	$0
JENNIFER ZWIRN	DIRECTOR	1.00	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
2025	$1,022,152	$1,029,144	$1,347,194	$-6,992
2024	$770,997	$807,571	$921,409	$-36,574
2023	$919,646	$831,184	$768,690	$88,462
2022	$759,726	$760,652	$666,093	$-926
2020	$509,960	$558,773	$581,265	$-48,813
2019	$598,225	$633,601	$540,915	$-35,376

ATHENS CHAMBER OF COMMERCE