﻿<?xml version="1.0" encoding="utf-8"?>
<Return xmlns="http://www.irs.gov/efile" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" returnVersion="2025v4.0">
  <ReturnHeader binaryAttachmentCnt="0">
    <ReturnTs>2026-07-29T11:34:50-04:00</ReturnTs>
    <TaxPeriodEndDt>2025-12-31</TaxPeriodEndDt>
    <PreparerFirmGrp>
      <PreparerFirmName>
        <BusinessNameLine1Txt>CRUM &amp; COMPANY</BusinessNameLine1Txt>
      </PreparerFirmName>
      <PreparerUSAddress>
        <AddressLine1Txt>1640 AKRON PENINSULA RD STE 102</AddressLine1Txt>
        <CityNm>AKRON</CityNm>
        <StateAbbreviationCd>OH</StateAbbreviationCd>
        <ZIPCd>44313</ZIPCd>
      </PreparerUSAddress>
    </PreparerFirmGrp>
    <ReturnTypeCd>990EZ</ReturnTypeCd>
    <TaxPeriodBeginDt>2025-01-01</TaxPeriodBeginDt>
    <Filer>
      <EIN>341356652</EIN>
      <BusinessName>
        <BusinessNameLine1Txt>STOW-MUNROE FALLS CHAMBER</BusinessNameLine1Txt>
        <BusinessNameLine2Txt>OF COMMERCE INC</BusinessNameLine2Txt>
      </BusinessName>
      <BusinessNameControlTxt>STOW</BusinessNameControlTxt>
      <PhoneNum>3306881579</PhoneNum>
      <USAddress>
        <AddressLine1Txt>PO BOX 2714</AddressLine1Txt>
        <CityNm>STOW</CityNm>
        <StateAbbreviationCd>OH</StateAbbreviationCd>
        <ZIPCd>44224</ZIPCd>
      </USAddress>
    </Filer>
    <BusinessOfficerGrp>
      <PersonNm>JULIE MCLAIN</PersonNm>
      <PersonTitleTxt>EXECUTIVE DIRECTOR</PersonTitleTxt>
      <PhoneNum>3306881579</PhoneNum>
      <SignatureDt>2026-06-19</SignatureDt>
      <DiscussWithPaidPreparerInd>true</DiscussWithPaidPreparerInd>
    </BusinessOfficerGrp>
    <PreparerPersonGrp>
      <PreparerPersonNm>KEVIN K CRUM</PreparerPersonNm>
      <PTIN>P00255436</PTIN>
      <PhoneNum>3308671222</PhoneNum>
      <PreparationDt>2026-06-24</PreparationDt>
    </PreparerPersonGrp>
    <TaxYr>2025</TaxYr>
    <BuildTS>2025-03-06 01:10:19Z</BuildTS>
  </ReturnHeader>
  <ReturnData documentCnt="3">
    <IRS990EZ documentId="RetDoc1" referenceDocumentId="RetDoc3">
      <MethodOfAccountingCashInd>X</MethodOfAccountingCashInd>
      <ScheduleBNotRequiredInd>X</ScheduleBNotRequiredInd>
      <WebsiteAddressTxt>WWW.SMFCC.COM</WebsiteAddressTxt>
      <Organization501cInd organization501cTypeTxt="6">X</Organization501cInd>
      <TypeOfOrganizationCorpInd>X</TypeOfOrganizationCorpInd>
      <GrossReceiptsAmt>176032</GrossReceiptsAmt>
      <InfoInScheduleOPartIInd>X</InfoInScheduleOPartIInd>
      <ContributionsGiftsGrantsEtcAmt>100</ContributionsGiftsGrantsEtcAmt>
      <ProgramServiceRevenueAmt>47613</ProgramServiceRevenueAmt>
      <MembershipDuesAmt>106875</MembershipDuesAmt>
      <InvestmentIncomeAmt>671</InvestmentIncomeAmt>
      <FundraisingGrossIncomeAmt referenceDocumentId="RetDoc2">17959</FundraisingGrossIncomeAmt>
      <SpecialEventsDirectExpensesAmt>8832</SpecialEventsDirectExpensesAmt>
      <SpecialEventsNetIncomeLossAmt>9127</SpecialEventsNetIncomeLossAmt>
      <OtherRevenueTotalAmt>2814</OtherRevenueTotalAmt>
      <TotalRevenueAmt>167200</TotalRevenueAmt>
      <GrantsAndSimilarAmountsPaidAmt>1000</GrantsAndSimilarAmountsPaidAmt>
      <SalariesOtherCompEmplBnftAmt>100998</SalariesOtherCompEmplBnftAmt>
      <FeesAndOtherPymtToIndCntrctAmt>6417</FeesAndOtherPymtToIndCntrctAmt>
      <OccupancyRentUtltsAndMaintAmt>1857</OccupancyRentUtltsAndMaintAmt>
      <OtherExpensesTotalAmt>61949</OtherExpensesTotalAmt>
      <TotalExpensesAmt>172221</TotalExpensesAmt>
      <ExcessOrDeficitForYearAmt>-5021</ExcessOrDeficitForYearAmt>
      <NetAssetsOrFundBalancesBOYAmt>21989</NetAssetsOrFundBalancesBOYAmt>
      <OtherChangesInNetAssetsAmt>606</OtherChangesInNetAssetsAmt>
      <NetAssetsOrFundBalancesEOYAmt>17574</NetAssetsOrFundBalancesEOYAmt>
      <InfoInScheduleOPartIIInd>X</InfoInScheduleOPartIIInd>
      <CashSavingsAndInvestmentsGrp>
        <BOYAmt>33446</BOYAmt>
        <EOYAmt>36399</EOYAmt>
      </CashSavingsAndInvestmentsGrp>
      <Form990TotalAssetsGrp>
        <BOYAmt>33446</BOYAmt>
        <EOYAmt>36399</EOYAmt>
      </Form990TotalAssetsGrp>
      <SumOfTotalLiabilitiesGrp>
        <BOYAmt>11457</BOYAmt>
        <EOYAmt>18825</EOYAmt>
      </SumOfTotalLiabilitiesGrp>
      <NetAssetsOrFundBalancesGrp>
        <BOYAmt>21989</BOYAmt>
        <EOYAmt>17574</EOYAmt>
      </NetAssetsOrFundBalancesGrp>
      <InfoInScheduleOPartIIIInd>X</InfoInScheduleOPartIIIInd>
      <PrimaryExemptPurposeTxt>WE ARE A VOICE OF LEADERSHIP, A RESOURCE OF SUPPORT AND A NETWORK OF CONNECTIONS TO PROMOTE ECONOMIC DEVELOPMENT IN STOW AND MUNROE FALLS.</PrimaryExemptPurposeTxt>
      <ProgramSrvcAccomplishmentGrp>
        <DescriptionProgramSrvcAccomTxt>EVENTS TO CONNECT MEMBERS, COST SAVING BENEFITS PROVIDED BY NOACC AND PROFESSIONAL DEVELOPMENT PROGRAMS.</DescriptionProgramSrvcAccomTxt>
      </ProgramSrvcAccomplishmentGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>JAMES LABER</PersonNm>
        <TitleTxt>TREASURER</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>2.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>TIM PORTER</PersonNm>
        <TitleTxt>BOARD DIRECT</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>DAVE SEGEN</PersonNm>
        <TitleTxt>PRESIDENT</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>2.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>JULIE MCLAIN</PersonNm>
        <TitleTxt>EXECUTIVE DI</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>40.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>65000</CompensationAmt>
        <ExpenseAccountOtherAllwncAmt>2550</ExpenseAccountOtherAllwncAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>MARIA GRIMM</PersonNm>
        <TitleTxt>BOARD DIRECT</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>LISA TOPPIN</PersonNm>
        <TitleTxt>VICE PRESIDE</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>2.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>RACHEL HIGGINS</PersonNm>
        <TitleTxt>SECRETARY</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>2.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>PIERCE DROBNEY</PersonNm>
        <TitleTxt>BOARD DIRECT</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>SHANNON SIEGFERTH</PersonNm>
        <TitleTxt>BOARD DIRECT</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>MARK TREEN</PersonNm>
        <TitleTxt>BOARD DIRECT</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>1.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <OfficerDirectorTrusteeEmplGrp>
        <PersonNm>CAMERON CUNERT</PersonNm>
        <TitleTxt>VICE PRESIDE</TitleTxt>
        <AverageHrsPerWkDevotedToPosRt>2.00</AverageHrsPerWkDevotedToPosRt>
        <CompensationAmt>0</CompensationAmt>
      </OfficerDirectorTrusteeEmplGrp>
      <ActivitiesNotPreviouslyRptInd>false</ActivitiesNotPreviouslyRptInd>
      <ChgMadeToOrgnzngDocNotRptInd>false</ChgMadeToOrgnzngDocNotRptInd>
      <OrganizationHadUBIInd>false</OrganizationHadUBIInd>
      <SubjectToProxyTaxInd>false</SubjectToProxyTaxInd>
      <OrganizationDissolvedEtcInd>false</OrganizationDissolvedEtcInd>
      <Form1120PolFiledInd>false</Form1120PolFiledInd>
      <MadeLoansToFromOfficersInd>false</MadeLoansToFromOfficersInd>
      <ProhibitedTaxShelterTransInd>false</ProhibitedTaxShelterTransInd>
      <BooksInCareOfDetail>
        <BusinessName>
          <BusinessNameLine1Txt>STOW-MUNROE FALLS CHAMBER</BusinessNameLine1Txt>
          <BusinessNameLine2Txt>STOW-MUNROE FALLS CHAMBER</BusinessNameLine2Txt>
        </BusinessName>
        <USAddress>
          <AddressLine1Txt>PO BOX 2714</AddressLine1Txt>
          <AddressLine2Txt>PO BOX 2714</AddressLine2Txt>
          <CityNm>STOW</CityNm>
          <StateAbbreviationCd>OH</StateAbbreviationCd>
          <ZIPCd>44224</ZIPCd>
        </USAddress>
        <PhoneNum>3306881579</PhoneNum>
      </BooksInCareOfDetail>
      <ForeignFinancialAccountInd>false</ForeignFinancialAccountInd>
      <ForeignOfficeInd>false</ForeignOfficeInd>
      <DonorAdvisedFndsInd>false</DonorAdvisedFndsInd>
      <OperateHospitalInd>false</OperateHospitalInd>
      <TanningServicesProvidedInd>false</TanningServicesProvidedInd>
      <RelatedOrganizationCtrlEntInd>false</RelatedOrganizationCtrlEntInd>
      <TransactionWithControlEntInd>false</TransactionWithControlEntInd>
      <PoliticalCampaignActyInd>false</PoliticalCampaignActyInd>
    </IRS990EZ>
    <IRS990ScheduleG documentId="RetDoc2">
      <FundraisingEventInformationGrp>
        <Event1Nm>GOLF OUTING</Event1Nm>
        <GrossReceiptsEvent1Amt>17959</GrossReceiptsEvent1Amt>
        <GrossRevenueEvent1Amt>17959</GrossRevenueEvent1Amt>
        <OtherDirectExpensesEvent1Amt>8832</OtherDirectExpensesEvent1Amt>
        <GrossReceiptsTotalAmt>17959</GrossReceiptsTotalAmt>
        <GrossRevenueTotalEventsAmt>17959</GrossRevenueTotalEventsAmt>
        <OthDirectExpnssTotalEventsAmt>8832</OthDirectExpnssTotalEventsAmt>
        <DirectExpenseSummaryEventsAmt>8832</DirectExpenseSummaryEventsAmt>
        <NetIncomeSummaryAmt>9127</NetIncomeSummaryAmt>
      </FundraisingEventInformationGrp>
    </IRS990ScheduleG>
    <IRS990ScheduleO documentId="RetDoc3">
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 8</FormAndLineReferenceDesc>
        <ExplanationTxt>OTHER 2,814 TOTAL 2,814</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 16</FormAndLineReferenceDesc>
        <ExplanationTxt>EXPENSES ADVERTISING 9,582 OFFICE SUPPLIES 1,680 TECHNOLOGY AND SUPPLIES 4,826 MILEAGE 2,755 INSURANCE 1,471 BANK CHARGES 5,458 CELL PHONE 200 DUES 2,339 MISCELLANEOUS 3,162 POSTAGE 478 WOMEN2WOMEN EXPENSE 2,791 MONTHLY LUNCHEON EXPENSE 10,595 4TH OF JULY EVENT 98 GO LOCAL SMF 660 SHOWCASE EXPENSE 4,389 EXEC. DIR. DISCRETIONARY 526 SOCIAL AND HOLIDAY PARTY 4,400 GRAND OPENING 1,405 BIZ AND BREWS EXPENSE 339 PAYROLL SERVICE FEE 4,795 TOTAL 61,949</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART I, LINE 20</FormAndLineReferenceDesc>
        <ExplanationTxt>PRIOR PERIOD ADJUSTMENT 606</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART II, LINE 26</FormAndLineReferenceDesc>
        <ExplanationTxt>ACCOUNTS PAYABLE AND ACCRUED EXPENSES 1,457 3,825 DEFERRED REVENUE 10,000 15,000</ExplanationTxt>
      </SupplementalInformationDetail>
      <SupplementalInformationDetail>
        <FormAndLineReferenceDesc>FORM 990-EZ, PART III</FormAndLineReferenceDesc>
        <ExplanationTxt>WE ARE A VOICE OF LEADERSHIP, A RESOURCE OF SUPPORT AND A NETWORK OF CONNECTIONS TO PROMOTE ECONOMIC DEVELOPMENT IN STOW AND MUNROE FALLS.</ExplanationTxt>
      </SupplementalInformationDetail>
    </IRS990ScheduleO>
  </ReturnData>
</Return>