Civic Intelligence

Bowling Green Area Chamber

EIN 61-0139152 • 501(c)6 • Bowling Green, KY

View Organization Page

Profile

The bowling green area chamber of commerce focuses its work on four strategic areas to improve the business climate and overall quality of life in south central kentucky: regional economic development, existing business development, serving partnership needs, and organizational development.

710 College StreetBowling Green, KY 42102

www.bgchamber.com

Siviq Scores

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

Liabilities / Assets

38th percentile

0.13x

Higher debt load relative to assets than 38% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Liabilities / Revenue

49th percentile

0.29x

Higher debt load relative to revenue than 49% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Net Margin

21st percentile

-4.0%

Higher net margin than 21% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Top Officer Pay

73rd percentile

$394,434

Higher top officer pay than 73% of similar nonprofits.

Top officer pay equals 13.9% of source-year revenue.

501(c)6 • $5M-$10M nonprofits • Source year 2024

Asset Growth

31st percentile

0.7%

Faster asset growth than 31% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Revenue Growth

35th percentile

1.9%

Faster revenue growth than 35% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets38th percentile

Assets

Up

$6,117,793

Up $40,405 (+0.7%) from 2023

Liabilities

Up

$815,549

Up $154,565 (+23%) from 2023

Net Assets

Down

$5,302,244

Down $114,160 (-2.1%) from 2023

Operations
Liabilities / Revenue49th percentileNet Margin21st percentile

Revenue

Up

$2,834,397

Up $51,992 (+1.9%) from 2023

Expenses

Up

$2,948,557

Up $185,291 (+6.7%) from 2023

Net Income

Down

-$114,160

Down $133,299 (-696%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth31st percentile

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

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $4,086,977Liabilities 2010: $961,876Net Assets 2010: $3,125,1012010Assets 2011: $3,967,704Liabilities 2011: $810,416Net Assets 2011: $3,157,2882011Assets 2012: $4,113,168Liabilities 2012: $750,000Net Assets 2012: $3,363,1682012Assets 2013: $4,311,086Liabilities 2013: $779,902Net Assets 2013: $3,531,1842013Assets 2014: $4,241,431Liabilities 2014: $498,808Net Assets 2014: $3,742,6232014Assets 2015: $4,417,457Liabilities 2015: $528,332Net Assets 2015: $3,889,1252015Assets 2016: $4,542,585Liabilities 2016: $545,547Net Assets 2016: $3,997,0382016Assets 2017: $4,752,870Liabilities 2017: $513,534Net Assets 2017: $4,239,3362017Assets 2018: $5,059,745Liabilities 2018: $643,122Net Assets 2018: $4,416,6232018Assets 2019: $5,117,752Liabilities 2019: $680,672Net Assets 2019: $4,437,0802019Assets 2020: $5,231,292Liabilities 2020: $540,001Net Assets 2020: $4,691,2912020Assets 2021: $5,757,046Liabilities 2021: $607,433Net Assets 2021: $5,149,6132021Assets 2022: $6,136,264Liabilities 2022: $738,999Net Assets 2022: $5,397,2652022Assets 2023: $6,077,388Liabilities 2023: $660,984Net Assets 2023: $5,416,4042023Assets 2024: $6,117,793Liabilities 2024: $815,549Net Assets 2024: $5,302,2442024

Highlighted filing

2024

Assets$6,117,793
Liabilities$815,549
Net Assets$5,302,244
Open 2024 Filing

Operations Trend

Revenue Growth35th percentile

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

$3.0M$2.0M$1.0M$0-$1.0MExpenses 2010: $2,003,0462010Expenses 2011: $1,847,9122011Expenses 2012: $1,808,2742012Revenue 2013: $1,991,347Expenses 2013: $1,823,331Net Income 2013: $168,0162013Revenue 2014: $2,151,356Expenses 2014: $1,939,919Net Income 2014: $211,4372014Revenue 2015: $2,340,859Expenses 2015: $2,194,357Net Income 2015: $146,5022015Revenue 2016: $2,425,734Expenses 2016: $2,317,821Net Income 2016: $107,9132016Revenue 2017: $2,556,394Expenses 2017: $2,314,096Net Income 2017: $242,2982017Revenue 2018: $2,519,719Expenses 2018: $2,342,432Net Income 2018: $177,2872018Revenue 2019: $2,443,155Expenses 2019: $2,418,129Net Income 2019: $25,0262019Revenue 2020: $2,302,587Expenses 2020: $2,048,376Net Income 2020: $254,2112020Revenue 2021: $2,569,605Expenses 2021: $2,111,283Net Income 2021: $458,3222021Revenue 2022: $2,550,648Expenses 2022: $2,302,996Net Income 2022: $247,6522022Revenue 2023: $2,782,405Expenses 2023: $2,763,266Net Income 2023: $19,1392023Revenue 2024: $2,834,397Expenses 2024: $2,948,557Net Income 2024: -$114,1602024

Highlighted filing

2024

Revenue$2,834,397
Expenses$2,948,557
Net Income-$114,160
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$6,117,793
Liabilities
$815,549
Net assets
$5,302,244
Revenue
$2,834,397
Expenses
$2,948,557
Net income
-$114,160
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$6.12$0.82$5.30$2.83$2.95$0.11
2023Detailed filing. Detailed filing data is available for this year.$6.08$0.66$5.42$2.78$2.76$0.02
2022Detailed filing. Detailed filing data is available for this year.$6.14$0.74$5.40$2.55$2.30$0.25
2021Detailed filing. Detailed filing data is available for this year.$5.76$0.61$5.15$2.57$2.11$0.46
2020Detailed filing. Detailed filing data is available for this year.$5.23$0.54$4.69$2.30$2.05$0.25
2019Detailed filing. Detailed filing data is available for this year.$5.12$0.68$4.44$2.44$2.42$0.03
2018Detailed filing. Detailed filing data is available for this year.$5.06$0.64$4.42$2.52$2.34$0.18
2017Detailed filing. Detailed filing data is available for this year.$4.75$0.51$4.24$2.56$2.31$0.24
2016Summary only. Only limited summary data is available for this year.$4.54$0.55$4.00$2.43$2.32$0.11
2015Summary only. Only limited summary data is available for this year.$4.42$0.53$3.89$2.34$2.19$0.15
2014Detailed filing. Detailed filing data is available for this year.$4.24$0.50$3.74$2.15$1.94$0.21
2013Detailed filing. Detailed filing data is available for this year.$4.31$0.78$3.53$1.99$1.82$0.17
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.11$0.75$3.36$1.81
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$3.97$0.81$3.16$1.85
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$4.09$0.96$3.13$2.00
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Sep 22, 2025
Return Version
2024v5.2
Gross Receipts
$2,834,397
Mission and Program Overview

Mission

The bowling green area chamber of commerce focuses its work on four strategic areas to improve the business climate and overall quality of life in south central kentucky: regional economic development, existing business development, serving partnership needs, and organizational development.

The organization focuses its work on four strategic areas to improve the business climate and overall quality of life in south central kentucky: economic development, existing business development, serving partnership needs, and organizational development.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$2,071,678$2,315,202▲ $243,524
Land, Buildings, and Equipment, Net$2,329,548$2,232,086▼ $97,462
Cash and Non-Interest-Bearing Accounts$1,555,628$1,410,856▼ $144,772
Prepaid Expenses and Deferred Charges$21,836$32,177▲ $10,341
Accounts Receivable$15,721$14,823▼ $898
Total Assets$6,077,388$6,117,793▲ $40,405
Other Assets Total$82,977$112,649▲ $29,672
Liabilities
Deferred Revenue$525,438$620,630▲ $95,192
Accounts Payable and Accrued Expenses$135,546$194,919▲ $59,373
Total Liabilities$660,984$815,549▲ $154,565
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$5,416,404$5,302,244▼ $114,160
Total Net Assets Fund Balance$5,416,404$5,302,244▼ $114,160
Total Liabilities and Net Assets / Fund Balance$6,077,388$6,117,793▲ $40,405

Asset Categories

AssetBook ValueDepreciationBasis
Buildings$1,919,563$1,620,172$3,539,735
Equipment$105,706$475,021$580,727
Land$200,399-$200,399
Other Land Buildings$6,418$4,582$11,000
Compensation and Service Providers
Top Officer Pay73rd percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Ron BunchPresident & CEOFT$390,164$4,270$394,434

Board Members and Trustees

NameTitle
Travis KellerChair-elect
Todd MatthewsChairman
Andy BarkerVice Chair
Amy ChandlerDirector
Bart DarrellDirector
Brandon ShirleyDirector
Chris HigginsDirector
Chris MosleyDirector
Heather Coleman BrooksDirector
Hillary HightowerDirector
Jacob CuartaDirector
Jennifer Breiwa-smithDirector
John LeeDirector
Julie MilamDirector
Mark PerdueDirector
Matt CoffeyDirector
Michele LawlessDirector
Mike BucketinDirector
Mike SherrodDirector
Monica WardlowDirector
Phil NealDirector
Rob ClaytonDirector
Roddy GrimesDirector
Tahir ZukicDirector
Zach MasseyDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$1,218,676
Program Service Revenue
$1,515,537
Investment Income
$83,215
Other Revenue
$16,969
Change in Net Assets
$-114,160

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,834,397
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$0
Total Revenue per Audited Statements
$2,834,397
Total Revenue per Form 990
$2,834,397
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$1,996,478
Other Expenses$952,079
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---$1,812,987
Fees for Services Other---$267,436
All Other Expenses---$209,275
Depreciation Depletion---$122,144
Payroll Taxes---$107,126
Occupancy---$106,479
Office Expenses---$77,861
Pension Plan Contributions---$76,365
Travel---$26,164
Insurance---$25,705
Fees for Services Accounting---$18,450
Other Expenses---$18,152
Fees for Services Legal---$1,416
Total Functional Expenses$0$0$0$2,948,557

Audited Expense Reconciliation

Line ItemAmount
Expenses per Audited Statements$2,948,557
Total Expenses per Audited Statements$2,948,557
Total Expenses per Form 990$2,948,557
Expenses Not Reported on Financial Statements$0
Expenses Not Reported on Form 990$0
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
Subject to proxy tax
No
Insider Transactions and Loans

Interested-Person Transactions

Interested PartyRelationshipDescriptionShared RevenueAmount
Amy MillikenWorkforce Coordinator - Chamber Board MemeberCounty Pays 1/2 of Workforce Coordinator ContractNo-
Andy BarkerInsurance - Chamber Board MemberChamber Insurance Through EmployerNo-
Eric WalkerBanking - Chamber Board MemberCD AT BOARD MEMBER'S BANKNo-
Heather BrooksLegal Services - Chamber Board MemberLegal Works Thru Elpo for Chamber Board Time to TimeNo-
Hillary HightowerWorkforce Coordinator - Chamber Board MemeberCity Pays 1/2 of Workforce Coordinator ContractNo-
John LeeBanking - Chamber Board MemberBank AccountNo-
Kim ThomasBanking - Chamber Board MemberMONEY MARKET ACCOUNT AND CD AT MEMBER'S BANKNo-
Monica WardlowBanking - Chamber Board MemberMONEY MARKET ACCOUNT AND CD AT BOARD MEMBER'S BANKNo-
Roddy GrimesRepairs - Chamber Board MemberRepairs Through EmployerNo-
Travis KellerBanking - Chamber Board MemberBank AccountNo-
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
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
Yes
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
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 2

“Various members of the chamber are banking officers with financial institutions within the community. As such, it can be reasonably expected that the financial institutions have professional relationships with business owners who also serve as board members.”

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

“A preliminary draft of the 990 is reviewed by the chamber prior to filing with the irs”

Form 990, Part VI, Section B, Line 12C

“Organization requires directors to sign conflict of interest forms annually.”

Form 990, Part VI, Section B, Line 15

“The executive committee for the organization sets the ceo's compensation and reviews other employee's compensation through the budget process.”

Form 990, Part VI, Section C, Line 19

“Organizational documents are made available upon request”

Filing and Contact Details

Filer

Filer Name
Bowling Green Area Chamber
EIN
61-0139152
Phone
2707813200
Address
710 COLLEGE STREET, BOWLING GREEN, KY 42102

Signing Officer

Name
Ron Bunch
Title
President & CEO
Phone
2707813200
Signed
2025-09-22
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Ron Bunch
Formed
1974
Legal Domicile
Ky
Voting Board Members
26
Independent Board Members
26
Employees
26
Volunteers
550

Preparer

Firm
Cri Advisors LLC
Address
922 STATE STREET SUITE 100, BOWLING GREEN, KY 42101
Preparer
Shelly G Compton
Phone
2707820700
Supplemental Narrative

Financial Statement Notes

PART X, LINE 2:

“Under section 501(c)(6) of the internal revenue code, the chamber is exempt from taxes on income other than unrelated business income. Unrelated business income results from rent, administration of self-insurance activities, and commissions. The foundation is exempt from income taxes under section 501(c)(3) of the internal revenue code. The organization utilizes the accounting requirements associated with uncertainty in income taxes using the provisions of financial accounting standards board (fasb) asc 740, income taxes. Using that guidance, tax positions initially need to be recognized in the financial statements when it is morelikely-than-not the positions will be sustained upon examination by the tax authorities. It also provides guidance for derecognition, classification, interest and penalties, accounting in interim periods, disclosure and transition. As of december 31, 2024 and 2023, the organization has no uncertain tax positions that qualify for recognition or disclosure in the consolidated financial statements.”

Raw XML AppendixShowing 400 of 660 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/Form990PartVIISectionAGrp/PersonNm4MONICA WARDLOW
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IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR
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IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
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