Tioga County Chamber of Commerce Inc (EIN 150409005) - 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

1919

Legal Domicile

Principal Officer

Sabrina Henriques

Phone

6076872020

Tax Period

2021-01-01 to 2021-12-31

Tioga County Chamber of Commerce Inc, founded in 1919, is a small nonprofit in the Community Improvement sector that reported $116K in total revenue in fiscal year 2021. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $102K left a modest 12% surplus.

Mission

Business promotion/member services

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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 (2021)

Revenue Breakdown

Contributions & Grants $110,262

Program Service Revenue $5,100

Investment Income $507

Other Revenue $0

TOTAL REVENUE $115,869

Expense Breakdown

Grants Paid $0

Salaries & Benefits $64,291

Fundraising Expenses $0

Other Expenses $37,211

TOTAL EXPENSES $101,502

Year-over-Year Comparison

	2021	2020	Change
Revenue	$115,869	$171,276	-0.3%
Expenses	$101,502	$166,066	-0.4%
Net Income	$14,367	$5,210	+1.8%

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

$58,915

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sabrina Henriques	Exec. Director	40.00	Key Emp	$11,000	$0	$11,000
Sarah Darling	Chairperson	2.00	Officer	$0	$0	$0
Art Poulton	Secretary	2.00	Officer	$0	$0	$0
Elizabeth Morse	Treasurer	2.00	Officer	$0	$0	$0
LeeAnn Tinney	Chairperson	2.00	Officer	$0	$0	$0
Andrew Hafer	Executive Director	40.00	Key Emp	$22,713	$0	$22,713
Sally Yablonsky	Assist. Exec Dir	40.00	Key Emp	$25,202	$0	$25,202

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
2021	$115,869	$101,502	$192,885	$14,367
2020	$171,276	$166,066	$178,518	$5,210
2019	$245,026	$271,092	$173,253	$-26,066
2018	$245,989	$235,608	$199,319	$10,381

Tioga County Chamber of Commerce Inc