Civic Intelligence

Towns County Chamber of Commerce

EIN 58-1752784 • 501(c)6 • Young Harris, GA

Profile

The Towns County Chamber of Commerce is organized to advance civic, commercial, industrial and agricultural interest of Towns County, Georgia

1411 Jack Dayton CircleYoung Harris, GA 30582
Siviq Scores

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

Liabilities / Assets

64th percentile

0.03x

Higher debt load relative to assets than 64% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

62nd percentile

0.01x

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

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

53rd percentile

1.9%

Higher net margin than 53% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

77th percentile

$0

Higher top officer pay than 77% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

59th percentile

3.3%

Faster asset growth than 59% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2022 to 2024

Revenue Growth

53rd percentile

1.3%

Faster revenue growth than 53% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2022 to 2024

Balance Sheet
Liabilities / Assets64th percentile

Assets

Up

$101,566

Up $6,430 (+6.8%) from 2022

Liabilities

Down

$2,660

Down $724 (-21%) from 2022

Net Assets

Up

$98,906

Up $7,154 (+7.8%) from 2022

Operations
Liabilities / Revenue62nd percentileNet Margin53rd percentile

Revenue

Up

$181,025

Up $4,490 (+2.5%) from 2022

Expenses

Up

$177,573

Up $15,926 (+9.9%) from 2022

Net Income

Down

$3,452

Down $11,436 (-77%) from 2022

Trend Graphs

Balance Sheet Trend

Asset Growth59th percentile

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

$150K$100K$50K$0Assets 2011: $68,654Liabilities 2011: $1,459Net Assets 2011: $67,1952011Assets 2012: $67,534Liabilities 2012: $1,332Net Assets 2012: $66,2022012Assets 2013: $72,914Liabilities 2013: $1,255Net Assets 2013: $71,6592013Assets 2014: $79,155Liabilities 2014: $835Net Assets 2014: $78,3202014Assets 2015: $82,734Liabilities 2015: $1,784Net Assets 2015: $80,9502015Assets 2016: $70,824Liabilities 2016: $2,4212016Assets 2017: $78,798Liabilities 2017: $3,534Net Assets 2017: $75,2642017Assets 2018: $84,669Liabilities 2018: $3,909Net Assets 2018: $80,7602018Assets 2019: $80,247Liabilities 2019: $1,723Net Assets 2019: $78,5242019Assets 2020: $74,629Liabilities 2020: $7,578Net Assets 2020: $67,0512020Assets 2021: $82,310Liabilities 2021: $5,446Net Assets 2021: $76,8642021Assets 2022: $95,136Liabilities 2022: $3,384Net Assets 2022: $91,7522022Assets 2024: $101,566Liabilities 2024: $2,660Net Assets 2024: $98,9062024

Highlighted filing

2024

Assets$101,566
Liabilities$2,660
Net Assets$98,906
Open 2024 Filing

Operations Trend

Revenue Growth53rd percentile

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

$300K$200K$100K$0-$100KRevenue 2011: $109,359Expenses 2011: $115,178Net Income 2011: -$5,8192011Revenue 2012: $100,777Expenses 2012: $101,769Net Income 2012: -$9922012Revenue 2013: $106,132Expenses 2013: $100,676Net Income 2013: $5,4562013Revenue 2014: $103,882Expenses 2014: $97,221Net Income 2014: $6,6612014Revenue 2015: $129,774Expenses 2015: $127,145Net Income 2015: $2,6292015Revenue 2016: $140,776Expenses 2016: $153,323Net Income 2016: -$12,5472016Revenue 2017: $207,180Expenses 2017: $200,319Net Income 2017: $6,8612017Revenue 2018: $201,353Expenses 2018: $195,857Net Income 2018: $5,4962018Revenue 2019: $182,066Expenses 2019: $184,302Net Income 2019: -$2,2362019Revenue 2020: $136,404Expenses 2020: $147,877Net Income 2020: -$11,4732020Revenue 2021: $156,729Expenses 2021: $146,916Net Income 2021: $9,8132021Revenue 2022: $176,535Expenses 2022: $161,647Net Income 2022: $14,8882022Revenue 2024: $181,025Expenses 2024: $177,573Net Income 2024: $3,4522024

Highlighted filing

2024

Revenue$181,025
Expenses$177,573
Net Income$3,452
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
$101,566
Liabilities
$2,660
Net assets
$98,906
Revenue
$181,025
Expenses
$177,573
Net income
$3,452
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.02$0.03$0.99$1.81$1.78$0.03
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.95$0.03$0.92$1.77$1.62$0.15
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.82$0.05$0.77$1.57$1.47$0.10
2020Summary only. Only limited summary data is available for this year.$0.75$0.08$0.67$1.36$1.48$0.11
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.80$0.02$0.79$1.82$1.84$0.02
2018Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.85$0.04$0.81$2.01$1.96$0.05
2017Summary only. Only limited summary data is available for this year.$0.79$0.04$0.75$2.07$2.00$0.07
2016Summary only. Only limited summary data is available for this year.$0.71$0.02$1.41$1.53$0.13
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$0.83$0.02$0.81$1.30$1.27$0.03
2014Summary only. Only limited summary data is available for this year.$0.79$0.01$0.78$1.04$0.97$0.07
2013Summary only. Only limited summary data is available for this year.$0.73$0.01$0.72$1.06$1.01$0.05
2012Summary only. Only limited summary data is available for this year.$0.68$0.01$0.66$1.01$1.02$0.01
2011Summary only. Only limited summary data is available for this year.$0.69$0.01$0.67$1.09$1.15$0.06
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 15, 2025
Return Version
2024v5.2
Gross Receipts
$181,025
Mission and Program Overview

Mission

This organization is the chamber of commerce for towns county, georgia

The Towns County Chamber of Commerce is organized to advance civic, commercial, industrial and agricultural interest of Towns County, Georgia

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$70,390$73,265▲ $2,875
Cash and Non-Interest-Bearing Accounts$27,049$27,179▲ $130
Land, Buildings, and Equipment, Net$1,122$1,122→ $0
Total Assets$98,561$101,566▲ $3,005
Liabilities
Accounts Payable and Accrued Expenses$3,107$2,660▼ $447
Total Liabilities$3,107$2,660▼ $447
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$95,454$98,906▲ $3,452
Total Net Assets Fund Balance$95,454$98,906▲ $3,452
Total Liabilities and Net Assets / Fund Balance$98,561$101,566▲ $3,005

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$1,122$22,761$23,883
Compensation and Service Providers
Top Officer Pay77th percentile

Board Members and Trustees

NameTitle
Alex KingChairperson
Bobbie ThompsonChairperson Elect
Drew BackerPast Chairperson
Julie PaynePresident
Catherine StephensDirector
Gene BoydDirector
Jo Ellen ThorntonDirector
Jon PeelsDirector
Kelly BeckleyDirector
Kendra GarrettDirector
Lisa BaxterDirector
Melanie HughesDirector
Nicole BradshawDirector
Ryan SnowDirector
Jeanne WinterSecretary
John ClemensTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$178,150
Program Service Revenue
$0
Investment Income
$2,875
Other Revenue
$0
All Other Contributions
$5,394
Change in Net Assets
$3,452
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$101,882
Other Expenses$75,691
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-$53,000-$53,000
Other Salaries and Wages-$41,440-$41,440
Office Expenses-$17,313-$17,313
Payroll Taxes-$7,442-$7,442
Occupancy-$6,953-$6,953
Fees for Services Accounting-$3,300-$3,300
Advertising$2,670--$2,670
Insurance-$2,436-$2,436
Conferences and Meetings$1,411$600-$2,011
Other Expenses$33,426$1,657-$1,657
Information Technology$1,255--$1,255
Total Functional Expenses$38,762$138,811$0$177,573
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Holiday Bazr$25,674$25,674-$25,674
Made in GA$25,146$25,146-$25,146
Total Events$50,820$50,820-$50,820
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
Yes
Audit committee
No
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
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

Organizational document changes Part VI line 4

“As part of a rebranding effort, the organization now goes by a dba name. The new name is Lake Chatuge Chamber of Commerce.”

Members or stockholder classes and rights Part VI line 6

“Organization does not have stockholders, only paid memberhips”

Member election for additional members Part VI line 7A

“Paid members vote annually to elect the Board of Directors.”

Form 990 governing body review Part VI line 11

“The tax return is not reviewed by the Board of Directors, only the Treasurer.”

Governing documents etc available to public Part VI line 19

“Governing Documents, Conflict of Interest Policy and Financial information are located in the administrative offices. This information is made available upon request.”

Filing and Contact Details

Filer

Filer Name
Towns County Chamber of Commerce
EIN
58-1752784
In Care Of
% Julie Payne
Phone
7068964966
Address
1411 Jack Dayton Circle, Young Harris, GA 30582
Doing Business As
Lake Chatuge Chamber of Commer

Signing Officer

Name
Julie Payne
Title
President
Phone
7068964966
Signed
2025-11-15
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Drew Backer
Formed
1986
Legal Domicile
Ga
Voting Board Members
15
Independent Board Members
15
Employees
2
Volunteers
6

Preparer

Firm
Hughes Accounting
Address
PO Box 99, Blairsville, GA 30514
Preparer
M Michelle Hughes Ea
Phone
7063791031
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IRS990/MissionDesc0The Towns County Chamber of Commerce is organized to advance civic, commercial, industrial and agricultural interest of Towns County, Georgia
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IRS990/MoreThan5000KToOrgInd0false
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IRS990/OtherExpensesGrp/Desc3Postage & Shipping
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0As part of a rebranding effort, the organization now goes by a dba name. The new name is Lake Chatuge Chamber of Commerce.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1Organization does not have stockholders, only paid memberhips
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2Paid members vote annually to elect the Board of Directors.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3The tax return is not reviewed by the Board of Directors, only the Treasurer.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4Governing Documents, Conflict of Interest Policy and Financial information are located in the administrative offices. This information is made available upon request.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0Organizational document changes Part VI line 4
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1Members or stockholder classes and rights Part VI line 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2Member election for additional members Part VI line 7a
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3Form 990 governing body review Part VI line 11
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4Governing documents etc available to public Part VI line 19
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IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0181025
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IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01411 Jack Dayton Circle
IRS990/USAddress/CityNm0Young Harris
IRS990/USAddress/StateAbbreviationCd0GA
IRS990/USAddress/ZIPCd030582
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IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0JULIE PAYNE
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0President
ReturnHeader/BusinessOfficerGrp/PhoneNum07068964966
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-11-15
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0Towns County Chamber of Commerce
ReturnHeader/Filer/BusinessNameControlTxt0TOWN
ReturnHeader/Filer/EIN0581752784
ReturnHeader/Filer/InCareOfNm0% Julie Payne
ReturnHeader/Filer/PhoneNum07068964966
ReturnHeader/Filer/USAddress/AddressLine1Txt01411 Jack Dayton Circle
ReturnHeader/Filer/USAddress/CityNm0Young Harris
ReturnHeader/Filer/USAddress/StateAbbreviationCd0GA
ReturnHeader/Filer/USAddress/ZIPCd030582
ReturnHeader/IRSResponsiblePrtyInfoCurrInd0true
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0202228676
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0Hughes Accounting
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0PO Box 99
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0Blairsville
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0GA
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd030514

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