GREATER CHATTANOOGA AREA CHAMBER OF COMMERCE (EIN 620154480) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1925

Legal Domicile

Principal Officer

CHARLES WOOD

Phone

4237562121

Tax Period

2022-07-01 to 2023-06-30

GREATER CHATTANOOGA AREA CHAMBER OF COMMERCE, founded in 1925, is a community nonprofit that reported $1.6M in total revenue in fiscal year 2022.

Mission

TO CHAMPION OUR MEMBER BUSINESSES AND PROMOTE REGIONAL ECONOMIC DEVELOPMENT.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $1,629,415

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,629,415

Expense Breakdown

Grants Paid $0

Salaries & Benefits $869,806

Fundraising Expenses $0

Other Expenses $910,746

TOTAL EXPENSES $1,780,552

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,629,415	$1,582,097	+0.0%
Expenses	$1,780,552	$1,725,571	+0.0%
Net Income	$-151,137	$-143,474	+0.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

400

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

$501,232

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELIZABETH AHMED	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
TODD BAKER	DIRECTOR	1.00	Director	$0	$0	$0
MARISSA BELL	DIRECTOR	1.00	Director	$0	$0	$0
BO BENTLEY	DIRECTOR	1.00	Director	$0	$0	$0
MELINDA BONE	DIRECTOR	1.00	Director	$0	$0	$0
LISA BROWN	DIRECTOR	1.00	Director	$0	$0	$0
CHANDA CHAMBERS	DIRECTOR	1.00	Director	$0	$0	$0
KARLENE CLARIDY	DIRECTOR	1.00	Director	$0	$0	$0
MICKEY CLOUD	DIRECTOR	1.00	Director	$0	$0	$0
BRAD COBB	DIRECTOR	1.00	Director	$0	$0	$0
ROYCE CORNELISON	DIRECTOR	1.00	Director	$0	$0	$0
JAY DALE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID DEVANEY	DIRECTOR	1.00	Director	$0	$0	$0
DANNY DEAS	DIRECTOR	1.00	Director	$0	$0	$0
EVANN FREEMAN	DIRECTOR	1.00	Director	$0	$0	$0
RODNEY DILLARD	DIRECTOR	1.00	Director	$0	$0	$0
GENA ELLIS	DIRECTOR	1.00	Director	$0	$0	$0
GRANT EVITTS	DIRECTOR	1.00	Director	$0	$0	$0
GREGG GENTRY	DIRECTOR	1.00	Director	$0	$0	$0
CINDY WRIGHT-FREEMAN	DIRECTOR	1.00	Director	$0	$0	$0
BRIANA GARZA	DIRECTOR	1.00	Director	$0	$0	$0
WADE HINTON	DIRECTOR	1.00	Director	$0	$0	$0
RUSTY GRAY	DIRECTOR	1.00	Director	$0	$0	$0
JAMES HALEY	DIRECTOR	1.00	Director	$0	$0	$0
DENISE RICE	DIRECTOR	1.00	Director	$0	$0	$0
DR BRYAN JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER HARPER	DIRECTOR	1.00	Director	$0	$0	$0
GARY HATHAWAY	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE KYLE	DIRECTOR	1.00	Director	$0	$0	$0
JOHANNA HEYWOOD	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM LEONARD	DIRECTOR	1.00	Director	$0	$0	$0
CAROLINA EIRIS MOLLOY	DIRECTOR	1.00	Director	$0	$0	$0
KATE IZELL	DIRECTOR	1.00	Director	$0	$0	$0
SHAY MCCOWAN	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINA NUAR	DIRECTOR	1.00	Director	$0	$0	$0
MATT PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
ANDY LANG	DIRECTOR	1.00	Director	$0	$0	$0
SHARON LAW	DIRECTOR	1.00	Director	$0	$0	$0
PAUL LEATH	DIRECTOR	1.00	Director	$0	$0	$0
IAN LEAVY	DIRECTOR	1.00	Director	$0	$0	$0
CINDY LEE	DIRECTOR	1.00	Director	$0	$0	$0
BLAKE PIERCE	DIRECTOR	1.00	Director	$0	$0	$0
ROGER POSACKI	DIRECTOR	1.00	Director	$0	$0	$0
DAN PRATT	DIRECTOR	1.00	Director	$0	$0	$0
CINDI SANDEN	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA STYLES	DIRECTOR	1.00	Director	$0	$0	$0
MIGUEL MORALES	DIRECTOR	1.00	Director	$0	$0	$0
PAUL WEIDLICH	DIRECTOR	1.00	Director	$0	$0	$0
ROGER PICKETT	DIRECTOR	1.00	Director	$0	$0	$0
DALYA QUALLS-WHITE	DIRECTOR	1.00	Director	$0	$0	$0
JANELLE REILLY	DIRECTOR	1.00	Director	$0	$0	$0
DENIS REILLY	DIRECTOR	1.00	Director	$0	$0	$0
GURU SHAH	DIRECTOR	1.00	Director	$0	$0	$0
VIRGINIA ANNE SHARBER	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE TRANTHAM	DIRECTOR	1.00	Director	$0	$0	$0
JAMES WINGARD	DIRECTOR	1.00	Director	$0	$0	$0
TODD WOMACK	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE ZEISER	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE GILLENWATER	PRESIDENT/CEO	16.00	Officer	$61,521	$50,410	$358,014
CHERYL MILLSAPS	VP FINANCE AND ADMINSTRATI	16.00	Officer	$43,298	$22,010	$143,218

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
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

GREATER CHATTANOOGA AREA CHAMBER OF COMMERCE