Civic Intelligence

Greater Chambersburg Chamber of Commerce

EIN 23-0465850 • 501(c)6 • Chambersburg, PA

Profile

To help our members prosper and to enhance the quality of life in the chambersburg area.

100 Lincoln Way East Roomsuite AChambersburg, PA 17201

www.chambersburg.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

54th percentile

0.18x

Higher debt load relative to assets than 54% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

44th percentile

0.12x

Higher debt load relative to revenue than 44% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Net Margin

50th percentile

4.5%

Higher net margin than 50% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

74th percentile

$218,444

Higher top officer pay than 74% of similar nonprofits.

Top officer pay equals 17.6% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Asset Growth

59th percentile

8.2%

Faster asset growth than 59% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

43rd percentile

3.3%

Faster revenue growth than 43% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Assets

Up

$872,058

Up $65,867 (+8.2%) from 2023

Liabilities

Up

$153,613

Up $19,072 (+14%) from 2023

Net Assets

Up

$718,445

Up $46,795 (+7.0%) from 2023

Revenue

Up

$1,241,603

Up $39,512 (+3.3%) from 2023

Expenses

Up

$1,186,189

Up $114,314 (+11%) from 2023

Net Income

Down

$55,414

Down $74,802 (-57%) from 2023

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.0M$500K$0Assets 2010: $652,546Liabilities 2010: $550,702Net Assets 2010: $101,8442010Assets 2011: $682,026Liabilities 2011: $589,058Net Assets 2011: $92,9682011Assets 2012: $808,923Liabilities 2012: $687,855Net Assets 2012: $121,0682012Assets 2013: $702,820Liabilities 2013: $533,588Net Assets 2013: $169,2322013Assets 2014: $797,773Liabilities 2014: $601,477Net Assets 2014: $196,2962014Assets 2015: $797,624Liabilities 2015: $624,912Net Assets 2015: $172,7122015Assets 2016: $561,116Liabilities 2016: $368,098Net Assets 2016: $193,0182016Assets 2017: $600,541Liabilities 2017: $335,385Net Assets 2017: $265,1562017Assets 2018: $645,930Liabilities 2018: $325,328Net Assets 2018: $320,6022018Assets 2019: $659,262Liabilities 2019: $330,377Net Assets 2019: $328,8852019Assets 2020: $767,853Liabilities 2020: $336,580Net Assets 2020: $431,2732020Assets 2021: $742,907Liabilities 2021: $153,636Net Assets 2021: $589,2712021Assets 2022: $680,701Liabilities 2022: $143,465Net Assets 2022: $537,2362022Assets 2023: $806,191Liabilities 2023: $134,541Net Assets 2023: $671,6502023Assets 2024: $872,058Liabilities 2024: $153,613Net Assets 2024: $718,4452024

Highlighted filing

2024

Assets$872,058
Liabilities$153,613
Net Assets$718,445

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.5M$1.0M$500K$0-$500KExpenses 2010: $1,064,6802010Revenue 2011: $966,724Expenses 2011: $975,600Net Income 2011: -$8,8762011Expenses 2012: $1,001,1672012Revenue 2013: $1,040,918Expenses 2013: $992,754Net Income 2013: $48,1642013Revenue 2014: $1,017,574Expenses 2014: $990,510Net Income 2014: $27,0642014Revenue 2015: $1,102,442Expenses 2015: $1,124,026Net Income 2015: -$21,5842015Revenue 2016: $1,061,089Expenses 2016: $1,045,553Net Income 2016: $15,5362016Revenue 2017: $1,082,501Expenses 2017: $1,022,145Net Income 2017: $60,3562017Revenue 2018: $1,048,856Expenses 2018: $975,048Net Income 2018: $73,8082018Revenue 2019: $1,012,191Expenses 2019: $1,032,848Net Income 2019: -$20,6572019Revenue 2020: $1,036,880Expenses 2020: $954,924Net Income 2020: $81,9562020Revenue 2021: $1,205,730Expenses 2021: $1,056,102Net Income 2021: $149,6282021Revenue 2022: $1,081,128Expenses 2022: $1,080,106Net Income 2022: $1,0222022Revenue 2023: $1,202,091Expenses 2023: $1,071,875Net Income 2023: $130,2162023Revenue 2024: $1,241,603Expenses 2024: $1,186,189Net Income 2024: $55,4142024

Highlighted filing

2024

Revenue$1,241,603
Expenses$1,186,189
Net Income$55,414

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.87$0.15$0.72$1.24$1.19$0.06
2023Detailed filing. Detailed filing data is available for this year.$0.81$0.13$0.67$1.20$1.07$0.13
2022Detailed filing. Detailed filing data is available for this year.$0.68$0.14$0.54$1.08$1.08$0.00
2021Detailed filing. Detailed filing data is available for this year.$0.74$0.15$0.59$1.21$1.06$0.15
2020Detailed filing. Detailed filing data is available for this year.$0.77$0.34$0.43$1.04$0.95$0.08
2019Detailed filing. Detailed filing data is available for this year.$0.66$0.33$0.33$1.01$1.03$0.02
2018Detailed filing. Detailed filing data is available for this year.$0.65$0.33$0.32$1.05$0.98$0.07
2017Detailed filing. Detailed filing data is available for this year.$0.60$0.34$0.27$1.08$1.02$0.06
2016Detailed filing. Detailed filing data is available for this year.$0.56$0.37$0.19$1.06$1.05$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.80$0.62$0.17$1.10$1.12$0.02
2014Detailed filing. Detailed filing data is available for this year.$0.80$0.60$0.20$1.02$0.99$0.03
2013Detailed filing. Detailed filing data is available for this year.$0.70$0.53$0.17$1.04$0.99$0.05
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.81$0.69$0.12$1.00
2011Summary only. Only limited summary data is available for this year.$0.68$0.59$0.09$0.97$0.98$0.01
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.65$0.55$0.10$1.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Aug 18, 2025
Return Version
2024v5.2
Gross Receipts
$1,298,224
Mission and Program Overview

Mission

To help our members prosper and to enhance the quality of life in the chambersburg area.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$671,650$718,445▲ $46,795
Investments in Publicly Traded Securities$405,486$427,523▲ $22,037
Savings and Temporary Cash Investments$315,115$341,184▲ $26,069
Cash and Non-Interest-Bearing Accounts$15,478$39,020▲ $23,542
Accounts Receivable$37,433$34,379▼ $3,054
Prepaid Expenses and Deferred Charges$9,059$11,906▲ $2,847
Inventories for Sale or Use$13,441$10,172▼ $3,269
Land, Buildings, and Equipment, Net$4,558$2,874▼ $1,684
Intangible Assets$621$0▼ $621
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Total Assets$806,191$872,058▲ $65,867
Other Assets Total$5,000$5,000→ $0
Liabilities
Unsecured Notes Loans Payable$80,405$73,458▼ $6,947
Accounts Payable and Accrued Expenses$39,031$46,447▲ $7,416
Deferred Revenue$15,105$33,708▲ $18,603
Total Liabilities$134,541$153,613▲ $19,072
Net Assets / Fund Balance
Total Net Assets Fund Balance$671,650$718,445▲ $46,795
Total Liabilities and Net Assets / Fund Balance$806,191$872,058▲ $65,867

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,658$262,138$263,796
Leasehold Improvements$1,216$11,566$12,782
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
Stephen ChristianPresidentFT$160,193$58,251$218,444

Board Members and Trustees

NameTitle
Bill KickChairman of the Board
Jenna KaczmarekDci Chair
David GrantImmediate Past Chair
Dan BaerFoundation President
Eric ForemanCadc Vice President
Adam DoniusBoard Member
Alex Sharpe EsqBoard Member
Angela QuigleyBoard Member
Anthony BagleyBoard Member
Brian ZoellerBoard Member
Carla ChristianBoard Member
Derek TaylorBoard Member
Kacie GelsingerBoard Member
Mark StoryBoard Member
Monica ShoemakerBoard Member
Niki HinckleBoard Member
Tom TrgovacBoard Member
Van GrayBoard Member
Wesley FugateBoard Member
Melanie HoffmanSecretary
Jason CriderTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$40,012
Program Service Revenue
$1,155,584
Investment Income
$45,117
Other Revenue
$890
All Other Contributions
$5,235
Change in Net Assets
$55,414

Audited Revenue Reconciliation

Revenue per Audited Statements
$1,241,603
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$21,679
Total Revenue per Audited Statements
$1,263,282
Total Revenue per Form 990
$1,241,603
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,005,376
Other Expenses$180,813
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$644,926
Current Officers, Directors, Trustees, and Key Employees---$218,444
Payroll Taxes---$63,186
Other Employee Benefits---$61,665
Occupancy---$44,340
Office Expenses---$24,113
Information Technology---$23,347
Pension Plan Contributions---$17,155
Fees for Services Accounting---$12,074
Travel---$10,503
Advertising---$6,078
Insurance---$5,206
Other Expenses---$4,611
Fees for Service Investment Mgmnt Fees---$3,125
Depreciation Depletion---$2,305
Interest---$772
Total Functional Expenses$0$0$0$1,186,189

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$1,216,487
Expenses per Audited Statements$1,186,189
Total Expenses per Form 990$1,186,189
Expenses Not Reported on Form 990$30,298
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Direct Expenses$26,153
Fundraising Gross Income$20,126
Gaming Gross Income$290
Gaming Direct Expenses$145
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Tournament$33,749$12,177$2,116$10,061
Pickleball Tournament$10,983$4,233$4,609$-376
Total Events$44,732$16,410$20,758$-4,348
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
No
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

The organizaiton has three types of membership: general membership: any person, association, corporation, partnership or legally recognized entity having an interest in the objectives of the organization shall be eligible to apply for membership. General members enjoy all the rights of membership including the right to vote. Honorary membership: distinction in public affairs shall confer eligibility to honorary membership. Honorary members shall have all the privileges of general members, except the right to vote and petition, and shall be exempt from payment of dues. The board of directors shall confer or revoke honorary membership by a majority vote. Associate membership: any business outside of franklin county may apply to be an associate member by paying the minimum amount in the applicable business category. Associate members shall have all the privileges of general members, except the right to vote and petition. Applications for membership shall be made on forms provided for that purpose, and signed by the applicant. The membership committee (or designated individual) shall review all applications and submit them to the board of directors with a recommendation. The board of directors, in acting upon an application for membership, may impose a waiting period of ninety (90) days so that an applicant can be further investigated. Election of members shall be made by a vote of two-thirds (2/3) of the board of directors at any meeting thereof. Any applicant so elected shall become a member upon payment of the regularly scheduled dues as provided in section 3 of article iii. An applicant may be "pre-approved" for membership prior to a board meeting by the president. The member shall also be presented to and approved by the chamber board of directors at the next regularly scheduled board meeting.

Form 990, Part VI, Section B, Line 11B

A copy of form 990 will be provided to the executive committee prior to filing.

Form 990, Part VI, Section B, Line 15A

The executive committee reviews and approves the salary increases for the president. The executive committee reviews and approves salaries of officers and other employees.

Form 990, Part VI, Section C, Line 19

The organization makes its governing documents, conflict of interest policy, and financial statements available to the public upon request during normal business hours at the organization's main office.

Form 990, Part VII - Additional Information

The chamber has common management with nine related organizations and all the payroll expenses are run through the chamber. The chamber is then reimbursed for these payroll expenses through administrative fees paid by these related organizations. Therefore, the president's w-2 wages reflect wages that are allocated to these related organizations.

Filing and Contact Details

Filer

Filer Name
Greater Chambersburg Chamber
EIN
23-0465850
Phone
7172647101
Address
100 LINCOLN WAY EAST ROOMSUITE A, CHAMBERSBURG, PA 17201

Signing Officer

Name
Stephen Christian
Title
President
Phone
7172647101
Signed
2025-08-18
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Stephen Christian
Formed
1911
Legal Domicile
Pa
Voting Board Members
18
Independent Board Members
18
Employees
13
Volunteers
60

Preparer

Firm
Rkl Llp
Address
1134 KENNEBEC DRIVE, CHAMBERSBURG, PA 17201
Preparer
Michael C Buhrman CPA
Phone
7172645961
Supplemental Narrative

Additional Explanations

Form 990, Part I, Line 6

The organization has many events which volunteers help to provide support but the total number of volunteers for each event is not currently tracked by the organization.

Form 990, Part XII, Line 2C

The finance committee assumes responsibility for the oversight of the review and the selection of an independent accountant. This process has not changed from the prior year.

Financial Statement Notes

PART III, LINE 1A:

The organization operates the chambersburg heritage center which displays a collection of items, both purchased and donated, consisting of artwork, historical artifacts, and various items of local historic significance. The values of these collection items are not reflected in the accompanying financial statements because they meet the criteria allowing the requirement for capitalization of collections to be waived. During the years ended december 31, 2024 and 2023, there were not any collection items acquired or capitalized.

PART III, LINE 4:

The organization operates the heritage center which displays a collection of items, both purchased and donated, consisting of artwork, historical artifacts, and various items of local historic significance.

PART X, LINE 2:

The organization is exempt from federal income taxes under the provisions of section 501(c)(6) of the internal revenue code, except for unrelated business income tax. The organization is subject to potential examination by the internal revenue service (irs). However, the organization is not currently under audit nor has the organization been contacted by the irs. Management believes the organization is no longer subject to tax examinations for periods prior to 2021. The organization has evaluated its tax positions for all open tax years and management believes all material tax positions taken would be upheld under examination. Therefore, no provision for the effects of uncertain tax positions has been recorded for the years ended december 31, 2024 and 2023. If assessed, the organization classifies any interest and penalties recognized with a tax position as expenses.

PART XI, LINE 2D - OTHER ADJUSTMENTS:

Direct fundraising expenses 26,008. Cost of goods sold 4,290.

PART XII, LINE 2D - OTHER ADJUSTMENTS:

Direct fundraising expenses 26,008. Cost of goods sold 4,290.

Raw XML AppendixShowing 400 of 555 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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