Civic Intelligence

Greater Bluffton Chamber & Convention

EIN 35-2434545 • 501(c)6 • Bluffton, SC

Profile

To become the voice of local businesses and to provide valuable resources and opportunities.

PO Box 1897Bluffton, SC 29910

blufftonchamberofcommerce.org

Siviq Scores

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

Liabilities / Assets

97th percentile

1.28x

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

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

97th percentile

1.03x

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

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

66th percentile

9.0%

Higher net margin than 66% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

95th percentile

$84,812

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 33.5% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

85th percentile

29%

Faster asset growth than 85% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

73rd percentile

15%

Faster revenue growth than 73% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets97th percentile

Assets

Up

$203,792

Up $45,725 (+29%) from 2024

Liabilities

Up

$261,038

Up $61,603 (+31%) from 2024

Net Assets

Down

-$57,246

Down $15,878 (-38%) from 2024

Operations
Liabilities / Revenue97th percentileNet Margin66th percentile

Revenue

Up

$253,190

Up $33,194 (+15%) from 2024

Expenses

Up

$230,395

Up $50,646 (+28%) from 2024

Net Income

Down

$22,795

Down $17,452 (-43%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth85th percentile

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

$300K$200K$100K$0-$100KAssets 2020: $148,452Liabilities 2020: $127,653Net Assets 2020: $20,7992020Assets 2021: $154,398Liabilities 2021: $143,781Net Assets 2021: $10,6172021Assets 2022: $98,330Liabilities 2022: $155,580Net Assets 2022: -$57,2502022Assets 2023: $110,482Liabilities 2023: $192,098Net Assets 2023: -$81,6162023Assets 2024: $158,067Liabilities 2024: $199,435Net Assets 2024: -$41,3682024Assets 2025: $203,792Liabilities 2025: $261,038Net Assets 2025: -$57,2462025

Highlighted filing

2025

Assets$203,792
Liabilities$261,038
Net Assets-$57,246
Open 2025 Filing

Operations Trend

Revenue Growth73rd percentile

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

$300K$200K$100K$0-$100KRevenue 2020: $143,427Expenses 2020: $149,139Net Income 2020: -$5,7122020Revenue 2021: $94,211Expenses 2021: $104,393Net Income 2021: -$10,1822021Revenue 2022: $86,067Expenses 2022: $131,660Net Income 2022: -$45,5932022Revenue 2023: $172,738Expenses 2023: $178,324Net Income 2023: -$5,5862023Revenue 2024: $219,996Expenses 2024: $179,749Net Income 2024: $40,2472024Revenue 2025: $253,190Expenses 2025: $230,395Net Income 2025: $22,7952025

Highlighted filing

2025

Revenue$253,190
Expenses$230,395
Net Income$22,795
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$203,792
Liabilities
$261,038
Net assets
-$57,246
Revenue
$253,190
Expenses
$230,395
Net income
$22,795
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.04$2.61$0.57$2.53$2.30$0.23
2024Detailed filing. Detailed filing data is available for this year.$1.58$1.99$0.41$2.20$1.80$0.40
2023Detailed filing. Detailed filing data is available for this year.$1.10$1.92$0.82$1.73$1.78$0.06
2022Detailed filing. Detailed filing data is available for this year.$0.98$1.56$0.57$0.86$1.32$0.46
2021Detailed filing. Detailed filing data is available for this year.$1.54$1.44$0.11$0.94$1.04$0.10
2020Detailed filing. Detailed filing data is available for this year.$1.48$1.28$0.21$1.43$1.49$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Feb 9, 2026
Return Version
2024v5.5
Gross Receipts
$305,416
Mission and Program Overview

Mission

Our mission is to be the "voice" of local businesses and to provide valuable resources and opportunities.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$38,388$108,120▲ $69,732
Cash and Non-Interest-Bearing Accounts$114,428$92,588▼ $21,840
Land, Buildings, and Equipment, Net$2,055$0▼ $2,055
Prepaid Expenses and Deferred Charges$800$111▼ $689
Pd in Cap Srpls Land Bldg Eqp Fund$0$0→ $0
Cap Stk Tr Prin Current Funds$0$0→ $0
Rtn Earn Endowment Incm Other Fnds$-41,368$-57,246▼ $15,878
Total Assets$158,067$203,792▲ $45,725
Other Assets Total$2,396$2,973▲ $577
Liabilities
Other Liabilities$175,820$183,215▲ $7,395
Deferred Revenue$19,550$76,580▲ $57,030
Accounts Payable and Accrued Expenses$4,065$1,243▼ $2,822
Total Liabilities$199,435$261,038▲ $61,603
Net Assets / Fund Balance
Total Net Assets Fund Balance$-41,368$-57,246▼ $15,878
Total Liabilities and Net Assets / Fund Balance$158,067$203,792▲ $45,725

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$0$2,055$2,055
Compensation and Service Providers
Top Officer Pay95th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Natalie OstermanCEOFT$84,812$84,812

Board Members and Trustees

NameTitle
Megan MackChair
Evan BromleyVice-chair
Frank RodriguezBoard Member
Gustavo RattiaBoard Member
Latoya SaltersBoard Member
Lou HaleyBoard Member
Ryan ChowanskyBoard Member
Meg JamesSecretary
James DismondTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$169,689
Program Service Revenue
$54,902
Investment Income
$4,379
Other Revenue
$24,220
Change in Net Assets
$22,795
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$144,818
Other Expenses$85,577
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$116,295
Other Employee Benefits---$18,152
Information Technology---$11,311
Payroll Taxes---$10,371
Occupancy---$10,200
All Other Expenses---$8,459
Fees for Services Accounting---$7,952
Fees for Services Other---$7,395
Interest---$7,288
Office Expenses---$6,475
Advertising---$4,186
Insurance---$3,477
Conferences and Meetings---$3,280
Other Expenses---$3,085
Total Functional Expenses$0$0$0$230,395
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$76,446
Fundraising Direct Expenses$52,226
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golden Oyster Awards$35,650$35,650$31,217$4,433
Taste of Bluffton$23,126$23,126$9,987$13,139
Total Events$76,446$76,446$52,226$24,220
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
Sba Eidl Loan$123,300
Payroll Liabilities$51,638
Payroll Accrual$6,430
Credit Cards$1,847
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

“Form 990 is provided to the ceo and directors for review and approval before it is filed.”

Form 990, Part VI, Section C, Line 18

“AVAILABLE UPON REQUEST.”

Form 990, Part VI, Section C, Line 19

“Government documents, policies, and financial statments are available upon request.”

Filing and Contact Details

Filer

Filer Name
Greater Bluffton Chamber & Convention
EIN
35-2434545
Phone
8437575110
Address
PO BOX 1897, BLUFFTON, SC 29910

Signing Officer

Name
Natalie J Osterman
Title
CEO
Phone
8437571010
Signed
2026-02-09
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Natalie J Osterman
Formed
2012
Legal Domicile
Sc
Voting Board Members
9
Independent Board Members
9
Employees
3
Volunteers
0

Preparer

Firm
Robinson Grant & Co Pa
Address
PO DRAWER 22959, HILTON HEAD ISLAND, SC 29925
Preparer
Michael R Putich CPA
Phone
8438156161
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“To adjust prior-year accruals to actual -38,673.”

Raw XML Appendix391 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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IRS990/SavingsAndTempCashInvstGrp/EOYAmt0108120
IRS990/ScheduleBRequiredInd00
IRS990ScheduleC/AgreeCarryoverPriorYearInd00
IRS990ScheduleC/DuesAssessmentsAmt0169689
IRS990ScheduleC/OnlyInHouseLobbyingInd00
IRS990ScheduleC/SubstantiallyAllDuesNondedInd00
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt00
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt02055
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt02055
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt01847
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt16430
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt251638
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Amt3123300
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0CREDIT CARDS
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc1PAYROLL ACCRUAL
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc2PAYROLL LIABILITIES
IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc3SBA EIDL LOAN
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalLiabilityAmt0183215
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt052226
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0GOLDEN OYSTER AWARDS
IRS990ScheduleG/FundraisingEventInformationGrp/Event2Nm0TASTE OF BLUFFTON
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt035650
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt023126
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsOtherEventsAmt017670
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt076446
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt035650
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent2Amt023126
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueOtherEventsAmt017670
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt076446
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt024220
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssOtherEventsAmt011022
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt052226
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt031217
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent2Amt09987
IRS990ScheduleG/FundraisingEventInformationGrp/OtherEventsTotalCnt01
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0FORM 990 IS PROVIDED TO THE CEO AND DIRECTORS FOR REVIEW AND APPROVAL BEFORE IT IS FILED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2GOVERNMENT DOCUMENTS, POLICIES, AND FINANCIAL STATMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3TO ADJUST PRIOR-YEAR ACCRUALS TO ACTUAL -38,673.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION C, LINE 18
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PART VI, SECTION C, LINE 19
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PART XI, LINE 9:
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0SC
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd01
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt0158067
IRS990/TotalAssetsEOYAmt0203792
IRS990/TotalAssetsGrp/BOYAmt0158067
IRS990/TotalAssetsGrp/EOYAmt0203792
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt0169689
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/TotalAmt0230395
IRS990/TotalGrossUBIAmt04379
IRS990/TotalLiabilitiesBOYAmt0199435
IRS990/TotalLiabilitiesEOYAmt0261038
IRS990/TotalLiabilitiesGrp/BOYAmt0199435
IRS990/TotalLiabilitiesGrp/EOYAmt0261038
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt0-41368
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt0-57246
IRS990/TotalOtherCompensationAmt00
IRS990/TotalOthProgramServiceRevGrp/RelatedOrExemptFuncIncomeAmt02000
IRS990/TotalOthProgramServiceRevGrp/TotalRevenueColumnAmt02000
IRS990/TotalProgramServiceRevenueAmt054902
IRS990/TotalReportableCompFromOrgAmt084812
IRS990/TotalRevenueGrp/ExclusionAmt024220
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt054902
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0253190
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt04379
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0158067
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0203792
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt029 PLANTATION PARK SUITE 703
IRS990/USAddress/CityNm0BLUFFTON
IRS990/USAddress/StateAbbreviationCd0SC
IRS990/USAddress/ZIPCd029910
IRS990/VotingMembersGoverningBodyCnt09
IRS990/VotingMembersIndependentCnt09
IRS990/WebsiteAddressTxt0BLUFFTONCHAMBEROFCOMMERCE.ORG
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0NATALIE J OSTERMAN
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CEO
ReturnHeader/BusinessOfficerGrp/PhoneNum08437571010
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-09
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0GREATER BLUFFTON CHAMBER & CONVENTION
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0VISITORS BUREAU INC
ReturnHeader/Filer/BusinessNameControlTxt0GREA
ReturnHeader/Filer/EIN0352434545
ReturnHeader/Filer/PhoneNum08437575110
ReturnHeader/Filer/USAddress/AddressLine1Txt0PO BOX 1897
ReturnHeader/Filer/USAddress/CityNm0BLUFFTON
ReturnHeader/Filer/USAddress/StateAbbreviationCd0SC
ReturnHeader/Filer/USAddress/ZIPCd029910
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0570735924
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ROBINSON GRANT & CO PA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO DRAWER 22959
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0HILTON HEAD ISLAND
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0SC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd029925
ReturnHeader/PreparerPersonGrp/PhoneNum08438156161
ReturnHeader/PreparerPersonGrp/PreparationDt02026-01-26
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0MICHAEL R PUTICH CPA
ReturnHeader/ReturnTs02026-02-09T16:45:12-06:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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