Civic Intelligence

Fannin County Chamber of Commerce

EIN 58-1545746 • 501(c)6 • Blue Ridge, GA

Profile

Provide services to members, support existing business, and promote positive economic development and tourism while preserving our community's natural resources and enhancing our citizens quality of life.

PO Box 1689Blue Ridge, GA 30513

blueridgemountains.com

Siviq Scores

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

Liabilities / Assets

59th percentile

0.21x

Higher debt load relative to assets than 59% of similar nonprofits.

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

Liabilities / Revenue

62nd percentile

0.26x

Higher debt load relative to revenue than 62% of similar nonprofits.

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

Net Margin

25th percentile

-2.9%

Higher net margin than 25% of similar nonprofits.

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

Top Officer Pay

43rd percentile

$113,629

Higher top officer pay than 43% of similar nonprofits.

Top officer pay equals 3.2% of source-year revenue.

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

Asset Growth

41st percentile

2.6%

Faster asset growth than 41% of similar nonprofits.

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

Revenue Growth

46th percentile

4.3%

Faster revenue growth than 46% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets59th percentile

Assets

Up

$4,243,644

Up $106,326 (+2.6%) from 2023

Liabilities

Up

$901,843

Up $209,251 (+30%) from 2023

Net Assets

Down

$3,341,801

Down $102,925 (-3.0%) from 2023

Operations
Liabilities / Revenue62nd percentileNet Margin25th percentile

Revenue

Up

$3,513,655

Up $144,965 (+4.3%) from 2023

Expenses

Up

$3,616,580

Up $307,462 (+9.3%) from 2023

Net Income

Down

-$102,925

Down $162,497 (-273%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth41st percentile

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

$6.0M$4.0M$2.0M$0Assets 2011: $902,757Liabilities 2011: $237,455Net Assets 2011: $665,3022011Assets 2012: $885,997Liabilities 2012: $174,833Net Assets 2012: $711,1642012Assets 2013: $888,447Liabilities 2013: $157,947Net Assets 2013: $730,5002013Assets 2014: $861,554Liabilities 2014: $87,942Net Assets 2014: $773,6122014Assets 2015: $912,003Liabilities 2015: $3,707Net Assets 2015: $908,2962015Assets 2016: $1,022,453Liabilities 2016: $37,101Net Assets 2016: $985,3522016Assets 2017: $1,093,460Liabilities 2017: $12,021Net Assets 2017: $1,081,4392017Assets 2018: $1,832,539Liabilities 2018: $759,761Net Assets 2018: $1,072,7782018Assets 2019: $1,839,756Liabilities 2019: $737,687Net Assets 2019: $1,102,0692019Assets 2020: $2,193,473Liabilities 2020: $665,861Net Assets 2020: $1,527,6122020Assets 2021: $2,964,683Liabilities 2021: $453,435Net Assets 2021: $2,511,2482021Assets 2022: $4,340,704Liabilities 2022: $955,550Net Assets 2022: $3,385,1542022Assets 2023: $4,137,318Liabilities 2023: $692,592Net Assets 2023: $3,444,7262023Assets 2024: $4,243,644Liabilities 2024: $901,843Net Assets 2024: $3,341,8012024

Highlighted filing

2024

Assets$4,243,644
Liabilities$901,843
Net Assets$3,341,801
Open 2024 Filing

Operations Trend

Revenue Growth46th percentile

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

$4.0M$3.0M$2.0M$1.0M$0-$1.0MRevenue 2011: $601,734Expenses 2011: $587,701Net Income 2011: $14,0332011Revenue 2012: $873,936Expenses 2012: $828,074Net Income 2012: $45,8622012Revenue 2013: $895,190Expenses 2013: $875,855Net Income 2013: $19,3352013Revenue 2014: $1,002,394Expenses 2014: $959,282Net Income 2014: $43,1122014Revenue 2015: $1,143,751Expenses 2015: $1,008,668Net Income 2015: $135,0832015Revenue 2016: $1,280,730Expenses 2016: $1,208,500Net Income 2016: $72,2302016Revenue 2017: $1,419,160Expenses 2017: $1,323,073Net Income 2017: $96,0872017Revenue 2018: $1,345,262Expenses 2018: $1,353,923Net Income 2018: -$8,6612018Revenue 2019: $1,280,609Expenses 2019: $1,263,257Net Income 2019: $17,3522019Revenue 2020: $1,649,426Expenses 2020: $1,223,883Net Income 2020: $425,5432020Revenue 2021: $3,081,245Expenses 2021: $2,098,609Net Income 2021: $982,6362021Revenue 2022: $3,256,117Expenses 2022: $2,392,223Net Income 2022: $863,8942022Revenue 2023: $3,368,690Expenses 2023: $3,309,118Net Income 2023: $59,5722023Revenue 2024: $3,513,655Expenses 2024: $3,616,580Net Income 2024: -$102,9252024

Highlighted filing

2024

Revenue$3,513,655
Expenses$3,616,580
Net Income-$102,925
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$4,243,644
Liabilities
$901,843
Net assets
$3,341,801
Revenue
$3,513,655
Expenses
$3,616,580
Net income
-$102,925
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.24$0.90$3.34$3.51$3.62$0.10
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.14$0.69$3.44$3.37$3.31$0.06
2022Detailed filing. Detailed filing data is available for this year.$4.34$0.96$3.39$3.26$2.39$0.86
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.96$0.45$2.51$3.08$2.10$0.98
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.19$0.67$1.53$1.65$1.22$0.43
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.84$0.74$1.10$1.28$1.26$0.02
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.83$0.76$1.07$1.35$1.35$0.01
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.09$0.01$1.08$1.42$1.32$0.10
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.02$0.04$0.99$1.28$1.21$0.07
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.91$0.00$0.91$1.14$1.01$0.14
2014Detailed filing. Detailed filing data is available for this year.$0.86$0.09$0.77$1.00$0.96$0.04
2013Summary only. Only limited summary data is available for this year.$0.89$0.16$0.73$0.90$0.88$0.02
2012Summary only. Only limited summary data is available for this year.$0.89$0.17$0.71$0.87$0.83$0.05
2011Summary only. Only limited summary data is available for this year.$0.90$0.24$0.67$0.60$0.59$0.01
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 14, 2025
Return Version
2024v5.0
Gross Receipts
$3,575,489
Mission and Program Overview

Mission

Provide services to members, support existing business, and promote positive economic development and tourism while preserving our community's natural resources and enhancing our citizens quality of life.

Balance Sheet Detail
LineBeginningEndChange
Assets
Rtn Earn Endowment Incm Other Fnds$3,444,726$3,341,801▼ $102,925
Land, Buildings, and Equipment, Net$1,303,420$1,280,271▼ $23,149
Savings and Temporary Cash Investments$1,143,169$1,230,079▲ $86,910
Cash and Non-Interest-Bearing Accounts$787,946$834,068▲ $46,122
Accounts Receivable$682,529$691,120▲ $8,591
Prepaid Expenses and Deferred Charges$127,150$86,468▼ $40,682
Total Assets$4,137,318$4,243,644▲ $106,326
Other Assets Total$93,104$121,638▲ $28,534
Liabilities
Other Liabilities$175,648$416,761▲ $241,113
Mortgage Notes Payable Secured by Investment Property$338,467$250,348▼ $88,119
Accounts Payable and Accrued Expenses$116,570$156,476▲ $39,906
Deferred Revenue$61,907$78,258▲ $16,351
Total Liabilities$692,592$901,843▲ $209,251
Net Assets / Fund Balance
Total Net Assets Fund Balance$3,444,726$3,341,801▼ $102,925
Total Liabilities and Net Assets / Fund Balance$4,137,318$4,243,644▲ $106,326

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,280,271$612,971$1,893,242
Compensation and Service Providers
Top Officer Pay43rd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Christie GribblePresidentFT$113,629$113,629

Board Members and Trustees

NameTitle
Troy ShirbrounChairman
Manda GwatneyChairman Ele
Suzanne DavenportPast Chairma
Brandon HollowayDirector
Candace YoungbergDirector
Darren DannerDirector
Doug MiracleDirector
Dustin QueenDirector
George RobinsonDirector
Greg OwenbyDirector
Kevin PanterDirector
Lisa VestDirector
Lori BramlettDirector
Tammie MasonDirector
William MoneDirector
Jamie HensleyEx-officio
Aj PetrilloSecretary
E Rene BidezTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$3,297,813
Program Service Revenue
$85,888
Investment Income
$86,910
Other Revenue
$43,044
All Other Contributions
$4,395
Change in Net Assets
$-102,925

Audited Revenue Reconciliation

Revenue per Audited Statements
$3,513,655
Total Revenue per Audited Statements
$3,513,655
Total Revenue per Form 990
$3,513,655
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$2,953,938
Salaries, Compensation, and Employee Benefits$662,642
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Advertising---$2,541,681
Other Salaries and Wages---$563,374
Office Expenses---$98,154
Occupancy---$97,017
Depreciation Depletion---$64,248
Other Employee Benefits---$45,355
Payroll Taxes---$42,480
Travel---$27,486
Fees for Services Accounting---$19,441
Information Technology---$18,802
Interest---$14,203
Insurance---$11,467
Pension Plan Contributions---$11,433
All Other Expenses---$8,475
Other Expenses---$7,788
Conferences and Meetings---$4,427
Total Functional Expenses$0$0$0$3,616,580

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$3,616,580
Total Expenses per Audited Statements$3,616,580
Total Expenses per Form 990$3,616,580
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$72,860
Fundraising Direct Expenses$57,702
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Tournament$36,095$36,095$18,462$17,633
Annual Banquet$20,730$20,730$29,869$-9,139
Total Events$72,860$72,860$57,702$15,158
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Product Development$295,123
Due to Product Dev Acct$65,582
Lease Liability$56,056
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, Page 6, Part VI, Line 11B

“The 990 is reviewed by the treasurer and president prior to filing.”

Form 990, Page 6, Part VI, Line 15A

“An annual review is done by the executive committee of past years achievements in order to establish annual compensation for upcoming year.”

Form 990, Page 6, Part VI, Line 19

“Governing documents are made available upon request”

Filing and Contact Details

Filer

Filer Name
Fannin County Chamber of Commerce
EIN
58-1545746
Phone
7066325680
Address
PO BOX 1689, BLUE RIDGE, GA 30513

Signing Officer

Name
Christie Gribble
Title
President
Phone
7066325680
Signed
2025-11-14
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Christie Gribble
Formed
1987
Legal Domicile
Ga
Voting Board Members
17
Independent Board Members
17
Employees
23
Volunteers
45

Preparer

Firm
E Rene Bidez CPA
Address
PO BOX 999, MCCAYSVILLE, GA 30555
Preparer
E Rene Bidezcpa
Phone
7069649000
Supplemental Narrative

Additional Explanations

Form 990, Page 2, Part III, Line 4D

“Provide services to members, support existing business and promote positive economic development and tourism while preserving our community's natural resources and enhancing our citizens quality of life.”

Raw XML AppendixShowing 400 of 467 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.

Path#Value
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IRS990/Form990PartVIISectionAGrp/TitleTxt3TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt4CHAIRMAN ELE
IRS990/Form990PartVIISectionAGrp/TitleTxt5PAST CHAIRMA
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0PROVIDE SERVICES TO MEMBERS, SUPPORT EXISTING BUSINESS AND PROMOTE POSITIVE ECONOMIC DEVELOPMENT AND TOURISM WHILE PRESERVING OUR COMMUNITY'S NATURAL RESOURCES AND ENHANCING OUR CITIZENS QUALITY OF LIFE.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE 990 IS REVIEWED BY THE TREASURER AND PRESIDENT PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2AN ANNUAL REVIEW IS DONE BY THE EXECUTIVE COMMITTEE OF PAST YEARS ACHIEVEMENTS IN ORDER TO ESTABLISH ANNUAL COMPENSATION FOR UPCOMING YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3GOVERNING DOCUMENTS ARE MADE AVAILABLE UPON REQUEST
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 2, PART III, LINE 4D
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 19
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