Greater Chattanooga Area Chamber of Commerce

EIN: 620154480

Chattanooga, TN

Total Revenue

$1,905,897

Total Expenses

$1,762,675

Total Assets

$1,231,720

Net Assets

$-326,076

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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

1925

Legal Domicile

TN

Phone

4237562121

Tax Period

2023-07-01 to 2024-06-30

Greater Chattanooga Area Chamber of Commerce, founded in 1925, is a community nonprofit that reported $1.9M in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion. Expenses of $1.8M left a modest 8% surplus.

Mission

To champion our member businesses and promote regional economic development.

Program Service Accomplishments

Program 1

Member services include councils based in various locations throughout the city, business related events, training and resources for business, business publications and studies to support public...

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Member services include councils based in various locations throughout the city, business related events, training and resources for business, business publications and studies to support public policy decisions for the region. Over 1,700 members served.

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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%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,905,897

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,905,897

Expense Breakdown

Grants Paid $0

Salaries & Benefits $842,823

Fundraising Expenses $0

Program Expenses $0

Other Expenses $919,852

TOTAL EXPENSES $1,762,675

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,905,897	$1,629,415	+0.2%
Expenses	$1,762,675	$1,780,552	0.0%
Net Income	$143,222	$-151,137	-1.9%

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

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Governance

Voting Members

80

Independent Members

80

Employees

64

Volunteers

372

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

8

$569,549

Total Directors

82

$569,549

Key Employees

0

$0

Highest Compensated

1

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Brad Cobb	Treasurer	1.0	Officer Director	$0	$0	$0
Charles Wood	PRESIDENT and CEO	8.0	Officer Director	$53,268	$23,256	$289,598
Janelle Reilly	Immediate Past Chair	1.0	Officer Director	$0	$0	$0
Jay Dale	Chair-Elect	1.0	Officer Director	$0	$0	$0
Katherine Randolph	Executive Director	0.0	Officer Director	$0	$0	$161,803
Paul Leath	Chair	1.0	Officer Director	$0	$0	$0
Rebecca Ashford	Secretary	1.0	Officer Director	$0	$0	$0
Yolanda Hayslett	VP FINANCE AND OPERATIONS	16.0	Officer Director	$42,823	$11,090	$118,148
Aletheia Silcott	DIRECTOR	1.0	Director	$0	$0	$0
Alexa Willis	DIRECTOR	1.0	Director	$0	$0	$0
Amy Silvers	DIRECTOR	1.0	Director	$0	$0	$0
April Cameron	DIRECTOR	1.0	Director	$0	$0	$0
Barry White	DIRECTOR	1.0	Director	$0	$0	$0
Bo Bentley	DIRECTOR	1.0	Director	$0	$0	$0
Briana Garza	DIRECTOR	1.0	Director	$0	$0	$0
Briana M Maya	DIRECTOR	1.0	Director	$0	$0	$0
Bryan Beasley	DIRECTOR	1.0	Director	$0	$0	$0
Callie Starnes	DIRECTOR	1.0	Director	$0	$0	$0
Carolina Eiris Molloy	DIRECTOR	1.0	Director	$0	$0	$0
Chanda Chambers	DIRECTOR	1.0	Director	$0	$0	$0
Chris McKee	DIRECTOR	1.0	Director	$0	$0	$0
Chuck Fleischmann	DIRECTOR	1.0	Director	$0	$0	$0
Chuck Hammonds	DIRECTOR	1.0	Director	$0	$0	$0
Cindy Freeman	DIRECTOR	1.0	Director	$0	$0	$0
Cindy Lee	DIRECTOR	1.0	Director	$0	$0	$0
Corey Whitaker	DIRECTOR	1.0	Director	$0	$0	$0
Dalya Qualls-White	DIRECTOR	1.0	Director	$0	$0	$0
Dan Cerasoli	DIRECTOR	1.0	Director	$0	$0	$0
Dan Pratt	DIRECTOR	1.0	Director	$0	$0	$0
David DeVaney	DIRECTOR	1.0	Director	$0	$0	$0
Deb Socia	DIRECTOR	1.0	Director	$0	$0	$0
Denis Reilly	DIRECTOR	1.0	Director	$0	$0	$0
Dionne Jenkins	DIRECTOR	1.0	Director	$0	$0	$0
Dr Bryan Johnson	DIRECTOR	1.0	Director	$0	$0	$0
Dr Daniel Challener	DIRECTOR	1.0	Director	$0	$0	$0
Dr Justin Robertson	DIRECTOR	1.0	Director	$0	$0	$0
Dr Steven Angle	DIRECTOR	1.0	Director	$0	$0	$0
Elaine Zambos	DIRECTOR	1.0	Director	$0	$0	$0
Elizabeth Ahmed	DIRECTOR	1.0	Director	$0	$0	$0
Ella Livingston	DIRECTOR	1.0	Director	$0	$0	$0
Emily Barrow	DIRECTOR	1.0	Director	$0	$0	$0
Emily Mack	DIRECTOR	1.0	Director	$0	$0	$0
Evann Freeman	DIRECTOR	1.0	Director	$0	$0	$0
Gary Hathaway	DIRECTOR	1.0	Director	$0	$0	$0
Gerald Harris	DIRECTOR	1.0	Director	$0	$0	$0
Grant Evitts	DIRECTOR	1.0	Director	$0	$0	$0
Gregg Gentry	DIRECTOR	1.0	Director	$0	$0	$0
Hamp Johnston	DIRECTOR	1.0	Director	$0	$0	$0
Holly Floberg	DIRECTOR	1.0	Director	$0	$0	$0
Ian Leavy	DIRECTOR	1.0	Director	$0	$0	$0
James Haley	DIRECTOR	1.0	Director	$0	$0	$0
James Wingard	DIRECTOR	1.0	Director	$0	$0	$0
Jeff Londis	DIRECTOR	1.0	Director	$0	$0	$0
Jennifer Harper	DIRECTOR	1.0	Director	$0	$0	$0
Jill Allen	DIRECTOR	1.0	Director	$0	$0	$0
Johanna Heywood	DIRECTOR	1.0	Director	$0	$0	$0
Justin Furrow	DIRECTOR	1.0	Director	$0	$0	$0
Karlene Claridy	DIRECTOR	1.0	Director	$0	$0	$0
Kate Izell	DIRECTOR	1.0	Director	$0	$0	$0
Keith Sanford	DIRECTOR	1.0	Director	$0	$0	$0
Ken Shaw	DIRECTOR	1.0	Director	$0	$0	$0
Leslie Gower	DIRECTOR	1.0	Director	$0	$0	$0
Lisa DeWaard	DIRECTOR	1.0	Director	$0	$0	$0
Marissa Bell	DIRECTOR	1.0	Director	$0	$0	$0
Mark Smith	DIRECTOR	1.0	Director	$0	$0	$0
Matt Phillips	DIRECTOR	1.0	Director	$0	$0	$0
Michael Harrell	DIRECTOR	1.0	Director	$0	$0	$0
Mickey Cloud	DIRECTOR	1.0	Director	$0	$0	$0
Miguel Morales	DIRECTOR	1.0	Director	$0	$0	$0
Rodney Dillard	DIRECTOR	1.0	Director	$0	$0	$0
Rosie Dahl	DIRECTOR	1.0	Director	$0	$0	$0
Rusty Gray	DIRECTOR	1.0	Director	$0	$0	$0
Scott Hibberts	DIRECTOR	1.0	Director	$0	$0	$0
Shay McCowan	DIRECTOR	1.0	Director	$0	$0	$0
Simeon Baskerville	DIRECTOR	1.0	Director	$0	$0	$0
Tasia Malakasis	DIRECTOR	1.0	Director	$0	$0	$0
Tim Kelly	DIRECTOR	1.0	Director	$0	$0	$0
Todd Gardenhire	DIRECTOR	1.0	Director	$0	$0	$0
Todd Womack	DIRECTOR	1.0	Director	$0	$0	$0
Tracy Wood	DIRECTOR	1.0	Director	$0	$0	$0
Wade Hinton	DIRECTOR	1.0	Director	$0	$0	$0
Weston Wamp	DIRECTOR	1.0	Director	$0	$0	$0
Sybil Topel	Vice President	14.0	Highest	$38,346	$12,166	$121,725

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	$1,905,897	$1,762,675	$1,231,720	$143,222
2023	$1,629,415	$1,780,552	$1,035,474	$-151,137
2022	$1,582,097	$1,725,571	$678,683	$-143,474
2021	$1,935,611	$1,671,731	$879,679	$263,880
2020	$1,628,727	$1,660,215	$665,248	$-31,488
2019	$1,944,175	$2,005,511	$488,185	$-61,336
2018	$1,919,869	$2,015,569	$550,796	$-95,700

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