SCHOHARIE COUNTY CHAMBER OF COMMERCE INC (EIN 141753708) - Form 990 Financial Analysis & Trantor Score

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1989

Legal Domicile

Tax Period

2019-01-01 to 2019-12-31

SCHOHARIE COUNTY CHAMBER OF COMMERCE INC, founded in 1989, is a micro nonprofit that reported $49K in total revenue in fiscal year 2019. Revenue fell 83% from the prior year — a significant decline worth monitoring. Expenses of $45K left a modest 7% surplus.

Mission

THE CHAMBER OF COMMERCE IS AN ORGANIZATION OF BUSINESS PEOPLE AND OTHER COMMUNITY LEADERS WORKING TOGETHER TO ADVANCE THE GENERAL WELFARE AND PROSPERITY OF SCHOHARIE COUNTYS BUSINESSES AND CITIZENS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2019)

Revenue Breakdown

Contributions & Grants $43,503

Program Service Revenue $0

Investment Income $0

Other Revenue $5,019

TOTAL REVENUE $48,522

Expense Breakdown

Grants Paid $0

Salaries & Benefits $23,942

Fundraising Expenses $0

Program Expenses $22,532

Other Expenses $21,169

TOTAL EXPENSES $45,111

Year-over-Year Comparison

	2019	2018	Change
Revenue	$48,522	$281,566	-0.8%
Expenses	$45,111	$217,220	-0.8%
Net Income	$3,411	$64,346	-0.9%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER GULDNER	DIRECTOR	Director	$0	$0	$0
LEEANN ARNOLD	DIRECTOR	Director	$0	$0	$0
RON KETELSEN	DIRECTOR	Director	$0	$0	$0
SUSAN ZIMMERMAN	DIRECTOR	Director	$0	$0	$0
DEBORAH VEITH	DIRECTOR	Director	$0	$0	$0
JESSICA KIRBY	DIRECTOR	Director	$0	$0	$0
MELINDA MCTAGGART	DIRECTOR	Director	$0	$0	$0
JAMIE CASTERLIN	VICE PRESIDENT	Officer	$0	$0	$0
GEORGIA VAN DYKE	2ND VICE PRESIDENT	Officer	$0	$0	$0
SHANNON ALMY	SECRETARY	Officer	$0	$0	$0
ERIC EFTHIMIOU	TREASURER	Officer	$0	$0	$0
BOBBI RYAN	PRESIDENT	Officer	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2019	$48,522	$45,111	$26,955	$3,411
2018	$281,566	$217,220	$111,996	$64,346

SCHOHARIE COUNTY CHAMBER OF COMMERCE INC