Civic Intelligence

Clermont County Chamber of Commerce

EIN 31-0788717 • 501(c)6 • Cincinnati, OH

Profile

To provide outstanding member service and business advocacy to make the clermont county area the best place to locate, operate, and grow business.

4355 Ferguson Drive 150Cincinnati, OH 45245

www.clermontchamber.com

Siviq Scores

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

Liabilities / Assets

94th percentile

0.77x

Higher debt load relative to assets than 94% of similar nonprofits.

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

Liabilities / Revenue

97th percentile

1.33x

Higher debt load relative to revenue than 97% of similar nonprofits.

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

Net Margin

25th percentile

-3.2%

Higher net margin than 25% of similar nonprofits.

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

Top Officer Pay

45th percentile

$122,608

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 18.6% of source-year revenue.

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

Asset Growth

25th percentile

-3.2%

Faster asset growth than 25% of similar nonprofits.

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

Revenue Growth

7th percentile

-22%

Faster revenue growth than 7% of similar nonprofits.

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

Assets

Down

$1,132,284

Down $37,709 (-3.2%) from 2023

Liabilities

Down

$876,638

Down $16,858 (-1.9%) from 2023

Net Assets

Down

$255,646

Down $20,851 (-7.5%) from 2023

Revenue

Down

$660,466

Down $190,166 (-22%) from 2023

Expenses

Up

$681,317

Up $48,271 (+7.6%) from 2023

Net Income

Down

-$20,851

Down $238,437 (-110%) from 2023

Trend Graphs

Balance Sheet Trend

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

$1.5M$1.0M$500K$0-$500KAssets 2012: $411,939Liabilities 2012: $353,052Net Assets 2012: $58,8872012Assets 2013: $444,398Liabilities 2013: $372,848Net Assets 2013: $71,5502013Assets 2014: $480,276Liabilities 2014: $455,007Net Assets 2014: $25,2692014Assets 2016: $336,723Liabilities 2016: $298,762Net Assets 2016: $37,9612016Assets 2017: $280,047Liabilities 2017: $323,305Net Assets 2017: -$43,2582017Assets 2018: $283,221Liabilities 2018: $279,650Net Assets 2018: $3,5712018Assets 2019: $226,953Liabilities 2019: $304,205Net Assets 2019: -$77,2522019Assets 2020: $244,467Liabilities 2020: $294,594Net Assets 2020: -$50,1272020Assets 2021: $372,602Liabilities 2021: $263,513Net Assets 2021: $109,0892021Assets 2022: $388,822Liabilities 2022: $329,911Net Assets 2022: $58,9112022Assets 2023: $1,169,993Liabilities 2023: $893,496Net Assets 2023: $276,4972023Assets 2024: $1,132,284Liabilities 2024: $876,638Net Assets 2024: $255,6462024

Highlighted filing

2024

Assets$1,132,284
Liabilities$876,638
Net Assets$255,646

Operations Trend

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

$1.0M$500K$0-$500KExpenses 2012: $719,2412012Revenue 2013: $734,727Expenses 2013: $722,064Net Income 2013: $12,6632013Revenue 2014: $686,775Expenses 2014: $733,056Net Income 2014: -$46,2812014Revenue 2016: $729,657Expenses 2016: $740,888Net Income 2016: -$11,2312016Revenue 2017: $687,512Expenses 2017: $768,731Net Income 2017: -$81,2192017Revenue 2018: $721,471Expenses 2018: $695,331Net Income 2018: $26,1402018Revenue 2019: $637,884Expenses 2019: $729,711Net Income 2019: -$91,8272019Revenue 2020: $732,781Expenses 2020: $705,656Net Income 2020: $27,1252020Revenue 2021: $683,976Expenses 2021: $524,760Net Income 2021: $159,2162021Revenue 2022: $512,971Expenses 2022: $563,149Net Income 2022: -$50,1782022Revenue 2023: $850,632Expenses 2023: $633,046Net Income 2023: $217,5862023Revenue 2024: $660,466Expenses 2024: $681,317Net Income 2024: -$20,8512024

Highlighted filing

2024

Revenue$660,466
Expenses$681,317
Net Income-$20,851

Filings

Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2023 to Jun 30, 2024
Signed
May 13, 2025
Return Version
2023v6.0
Gross Receipts
$660,466
Mission and Program Overview

Mission

To provide outstanding member service and business advocacy to make the clermont county area the best place to locate, operate and grow business.

To promote and assist in the economic development of businesses in clermont county, ohio.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$371,757$540,333▲ $168,576
Pledges and Grants Receivable$156,665--
Cash and Non-Interest-Bearing Accounts$48,472$46,746▼ $1,726
Prepaid Expenses and Deferred Charges$7,601$15,288▲ $7,687
Land, Buildings, and Equipment, Net$11,586$8,750▼ $2,836
Total Assets$1,169,993$1,132,284▼ $37,709
Other Assets Total$573,912$521,167▼ $52,745
Liabilities
Other Liabilities$639,509$609,036▼ $30,473
Deferred Revenue$249,639$265,963▲ $16,324
Accounts Payable and Accrued Expenses$4,348$1,639▼ $2,709
Total Liabilities$893,496$876,638▼ $16,858
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$276,497$255,646▼ $20,851
Total Net Assets Fund Balance$276,497$255,646▼ $20,851
Total Liabilities and Net Assets / Fund Balance$1,169,993$1,132,284▼ $37,709

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$8,750$29,287$38,037
Other Assets Org$521,167--
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseTotal
Joy LytlePresidentFT$122,608$122,608
Andrew McafeeVice PresidentFT$89,343$89,343

Board Members and Trustees

Revenue and Support

Revenue Composition

Contributions and Grants
$14,306
Program Service Revenue
$619,642
Investment Income
$26,518
Other Revenue
$0
All Other Contributions
$14,306
Change in Net Assets
$-20,851
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$356,071
Other Expenses$325,246
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$292,436
Fees for Services Other---$86,813
Occupancy---$58,598
Information Technology---$42,443
Payroll Taxes---$34,180
Office Expenses---$32,408
Conferences and Meetings---$30,463
Other Employee Benefits---$29,455
Advertising---$11,510
Travel---$11,205
Other Expenses---$7,998
Interest---$6,209
Depreciation Depletion---$2,837
Insurance---$2,060
Total Functional Expenses$0$0$0$681,317
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
No
Subject to proxy tax
Yes
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Long Term Operation Lease Liability$491,517
Short Term Operating Lease Liability$45,432
Accrued Payroll Liability$36,110
Payable to the Foundation$33,795
Credit Cards$2,082
Ee Withholdings$100
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Annual disclosure for covered persons
Yes
Audit committee
No
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
Yes
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 organization is a not-for-profit corporation with members.

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

A copy of the form 990 is distributed to the board prior to filing the tax return with the internal revenue service.

Form 990, Part VI, Section B, Line 15

The independent members of the board annually review and approve of the salary of the organization's ceo.

Form 990, Part VI, Section C, Line 19

The organization's governing documents, conflict of interest policy, and the financial statements are available to the public upon request.

Filing and Contact Details

Filer

Filer Name
Clermont County Chamber of Commerce
EIN
31-0788717
Phone
5135765000
Address
4355 FERGUSON DRIVE 150, CINCINNATI, OH 45245

Signing Officer

Name
Joy Lytle
Title
President
Phone
5135765000
Signed
2025-05-13
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Joy Lytle
Formed
1969
Legal Domicile
Oh
Voting Board Members
24
Independent Board Members
24
Employees
7
Volunteers
0

Preparer

Firm
Brixey & Meyer Inc
Address
1111 ST GREGORY ST 5TH FLOOR, CINCINNATI, OH 45202
Preparer
Alan Greenwell
Phone
5137528350
Supplemental Narrative

Additional Explanations

Form 990, Part IX, Line 11G

Outside services 6,432. Professional fees 80,381.

Financial Statement Notes

PART X, LINE 2:

The chamber determines the recognition of uncertain tax positions, if applicable, that may subject the chamber to unrelated business income tax necessary by applying a more-likely-than-not recognition threshold and determines the measurement of uncertain tax positions considering the amounts and probabilities of the outcome that could be realized upon ultimate settlement with tax authorities. The chamber does not have any uncertain tax positions at june 30, 2020 the chamber believes it is no longer subject to income tax examinations for the years prior to 2016.

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IRS990/Form990PartVIISectionAGrp/TitleTxt11MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt14MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt15VICE CHAIRMAN
IRS990/Form990PartVIISectionAGrp/TitleTxt16MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt17MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt18PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt19MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt20CHAIR EMERITUS
IRS990/Form990PartVIISectionAGrp/TitleTxt21MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt22VICE PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt23MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt24MEMBER
IRS990/Form990ProvidedToGvrnBodyInd01
IRS990/FormationYr01969
IRS990/FormerOfcrEmployeesListedInd00
IRS990/FSAuditedInd00
IRS990/FundraisingActivitiesInd00
IRS990/GamingActivitiesInd00
IRS990/GoverningBodyVotingMembersCnt024
IRS990/GrantsToIndividualsInd00
IRS990/GrantsToOrganizationsInd00
IRS990/GrantToRelatedPersonInd00
IRS990/GrossReceiptsAmt0660466
IRS990/GroupReturnForAffiliatesInd00
IRS990/IncludeFIN48FootnoteInd01
IRS990/IndependentAuditFinclStmtInd00
IRS990/IndependentVotingMemberCnt024
IRS990/IndivRcvdGreaterThan100KCnt01
IRS990/IndoorTanningServicesInd00
IRS990/InfoInScheduleOPartIXInd0X
IRS990/InfoInScheduleOPartVIInd0X
IRS990/InformationTechnologyGrp/TotalAmt042443
IRS990/InsuranceGrp/TotalAmt02060
IRS990/InterestGrp/TotalAmt06209
IRS990/InvestmentIncomeGrp/ExclusionAmt026518
IRS990/InvestmentIncomeGrp/TotalRevenueColumnAmt026518
IRS990/InvestmentInJointVentureInd00
IRS990/IRPDocumentCnt00
IRS990/IRPDocumentW2GCnt00
IRS990/LandBldgEquipAccumDeprecAmt029287
IRS990/LandBldgEquipBasisNetGrp/BOYAmt011586
IRS990/LandBldgEquipBasisNetGrp/EOYAmt08750
IRS990/LandBldgEquipCostOrOtherBssAmt038037
IRS990/LegalDomicileStateCd0OH
IRS990/LoanOutstandingInd00
IRS990/LocalChaptersInd00
IRS990/MaterialDiversionOrMisuseInd00
IRS990/MembersOrStockholdersInd01
IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0TO PROVIDE OUTSTANDING MEMBER SERVICE AND BUSINESS ADVOCACY TO MAKE THE CLERMONT COUNTY AREA THE BEST PLACE TO LOCATE, OPERATE, AND GROW BUSINESS.
IRS990/MoreThan5000KToIndividualsInd00
IRS990/MoreThan5000KToOrgInd00
IRS990/NetAssetsOrFundBalancesBOYAmt0276497
IRS990/NetAssetsOrFundBalancesEOYAmt0255646
IRS990/NetUnrelatedBusTxblIncmAmt00
IRS990/NoDonorRestrictionNetAssetsGrp/BOYAmt0276497
IRS990/NoDonorRestrictionNetAssetsGrp/EOYAmt0255646
IRS990/NondeductibleContributionsInd00
IRS990/OccupancyGrp/TotalAmt058598
IRS990/OfficeExpensesGrp/TotalAmt032408
IRS990/OfficerMailingAddressInd00
IRS990/OperateHospitalInd00
IRS990/Organization501cInd0X
IRS990/OrganizationFollowsFASB117Ind0X
IRS990/OtherAssetsTotalGrp/BOYAmt0573912
IRS990/OtherAssetsTotalGrp/EOYAmt0521167
IRS990/OtherChangesInNetAssetsAmt00
IRS990/OtherEmployeeBenefitsGrp/TotalAmt029455
IRS990/OtherExpensesGrp/Desc0DUES AND SUBSCRIPTIONS
IRS990/OtherExpensesGrp/Desc1MISCELLANEOUS EXPENSES
IRS990/OtherExpensesGrp/Desc2TRAINING
IRS990/OtherExpensesGrp/TotalAmt023650
IRS990/OtherExpensesGrp/TotalAmt19052
IRS990/OtherExpensesGrp/TotalAmt27998
IRS990/OtherLiabilitiesGrp/BOYAmt0639509
IRS990/OtherLiabilitiesGrp/EOYAmt0609036
IRS990/OtherSalariesAndWagesGrp/TotalAmt0292436
IRS990/PartialLiquidationInd00
IRS990/PayPremiumsPrsnlBnftCntrctInd00
IRS990/PayrollTaxesGrp/TotalAmt034180
IRS990/PledgesAndGrantsReceivableGrp/BOYAmt0156665
IRS990/PoliticalCampaignActyInd00
IRS990/PrepaidExpensesDefrdChargesGrp/BOYAmt07601
IRS990/PrepaidExpensesDefrdChargesGrp/EOYAmt015288
IRS990/PrincipalOfficerNm0JOY LYTLE
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0900099
IRS990/ProgramServiceRevenueGrp/BusinessCd1900099
IRS990/ProgramServiceRevenueGrp/BusinessCd2900099
IRS990/ProgramServiceRevenueGrp/Desc0MEMBERSHIP DUES
IRS990/ProgramServiceRevenueGrp/Desc1WORKSHOPS/SEMINARS
IRS990/ProgramServiceRevenueGrp/Desc2ECONOMIC DEVELOPMENT
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt0413469
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt1180226
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt225947
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt0413469
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt1180226
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt225947
IRS990/ProgSrvcAccomActy2Grp/Desc0TRAINING PROGRAMS - COURSES IN PUBLIC/PRIVATE LEADERSHIP AND IMPROVING MANAGEMENT SKILLS.
IRS990/ProgSrvcAccomActy2Grp/ExpenseAmt0265521
IRS990/ProgSrvcAccomActy2Grp/RevenueAmt0180125
IRS990/ProgSrvcAccomActy3Grp/Desc0SMALL BUSINESS ENTERPRISE PROGRAM - ASSISTS NEW OR TROUBLED SMALL BUSINESSES IN CLERMONT COUNTY, OHIO.
IRS990/ProgSrvcAccomActy3Grp/ExpenseAmt0177014
IRS990/ProgSrvcAccomActy3Grp/RevenueAmt0413469
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt0156665
IRS990/PYGrantsAndSimilarPaidAmt07706
IRS990/PYInvestmentIncomeAmt06120
IRS990/PYOtherExpensesAmt0274889
IRS990/PYOtherRevenueAmt0249
IRS990/PYProgramServiceRevenueAmt0687598
IRS990/PYRevenuesLessExpensesAmt0217586
IRS990/PYSalariesCompEmpBnftPaidAmt0350451
IRS990/PYTotalExpensesAmt0633046
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0850632
IRS990/QuidProQuoContributionsInd00
IRS990/RcvFndsToPayPrsnlBnftCntrctInd00
IRS990/ReconcilationRevenueExpnssAmt0-20851
IRS990/RegularMonitoringEnfrcInd00
IRS990/RelatedEntityInd01
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd01
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd01
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt025947
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0371757
IRS990/SavingsAndTempCashInvstGrp/EOYAmt0540333
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/AgreeCarryoverPriorYearInd00
IRS990ScheduleC/DuesAssessmentsAmt0413469
IRS990ScheduleC/OnlyInHouseLobbyingInd00
IRS990ScheduleC/SubstantiallyAllDuesNondedInd00
IRS990ScheduleD/FootnoteTextInd0X
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt0521167
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0RIGHT-OF-USE LEASE ASSET
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt08750
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt029287
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt038037
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt036110
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt145432
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt2491517
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt333795
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt4100
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt52082
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0ACCRUED PAYROLL LIABILITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1SHORT TERM OPERATING LEASE LIABILITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2LONG TERM OPERATION LEASE LIABILITY
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3PAYABLE TO THE FOUNDATION
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc4EE WITHHOLDINGS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc5CREDIT CARDS
IRS990ScheduleD/SupplementalInformationDetail/ExplanationTxt0THE CHAMBER DETERMINES THE RECOGNITION OF UNCERTAIN TAX POSITIONS, IF APPLICABLE, THAT MAY SUBJECT THE CHAMBER TO UNRELATED BUSINESS INCOME TAX NECESSARY BY APPLYING A MORE-LIKELY-THAN-NOT RECOGNITION THRESHOLD AND DETERMINES THE MEASUREMENT OF UNCERTAIN TAX POSITIONS CONSIDERING THE AMOUNTS AND PROBABILITIES OF THE OUTCOME THAT COULD BE REALIZED UPON ULTIMATE SETTLEMENT WITH TAX AUTHORITIES. THE CHAMBER DOES NOT HAVE ANY UNCERTAIN TAX POSITIONS AT JUNE 30, 2020 THE CHAMBER BELIEVES IT IS NO LONGER SUBJECT TO INCOME TAX EXAMINATIONS FOR THE YEARS PRIOR TO 2016.
IRS990ScheduleD/SupplementalInformationDetail/FormAndLineReferenceDesc0PART X, LINE 2:
IRS990ScheduleD/TotalBookValueLandBuildingsAmt08750
IRS990ScheduleD/TotalBookValueOtherAssetsAmt0521167
IRS990ScheduleD/TotalLiabilityAmt0609036
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01

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