SOUTHERN OCEAN COUNTY CHAMBER OF COMMERCE (EIN 210501991) - 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

1914

Legal Domicile

Phone

6094947211

Tax Period

2025-01-01 to 2025-12-31

SOUTHERN OCEAN COUNTY CHAMBER OF COMMERCE, founded in 1914, is a small nonprofit that reported $212K in total revenue in fiscal year 2025. Revenue fell 84% from the prior year — a significant decline worth monitoring. Expenses of $288K exceeded revenue, resulting in a 36% operating deficit.

Mission

TO FOSTER POSITIVE GROWTH, DEVELOPMENT AND TOURISM IN THE SOUTHERN OCEAN COUNTY REGION.

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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 (2025)

Revenue Breakdown

Contributions & Grants $164,289

Program Service Revenue $0

Investment Income $39,826

Other Revenue $7,466

TOTAL REVENUE $211,581

Expense Breakdown

Grants Paid $0

Salaries & Benefits $145,342

Fundraising Expenses $0

Program Expenses $209,252

Other Expenses $143,038

TOTAL EXPENSES $288,380

Year-over-Year Comparison

	2025	2024	Change
Revenue	$211,581	$1,301,149	-0.8%
Expenses	$288,380	$383,933	-0.2%
Net Income	$-76,799	$917,216	-1.1%

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

N/A

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

$45,662

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELE CUFF	Treasurer	20.00	Officer	$26,614	$0	$26,614
LORI PEPENELLA	Secretary	10.00	Officer	$19,048	$0	$19,048
JERRY THOMPSON	President	2.00	Officer Director	$0	$0	$0
ELIZABETH GIGLIO	Vice President	2.00	Officer Director	$0	$0	$0
CAROL HOLMES	Vice President	2.00	Officer Director	$0	$0	$0
ANDREA DRISCOLL	Director	2.00	Director	$0	$0	$0
MICHELE COLLINS-DAVIES	Director	2.00	Director	$0	$0	$0
LAURA BENSON	Director	2.00	Director	$0	$0	$0
MARIE DALEY	Director	2.00	Director	$0	$0	$0
TANEK HOOD	Director	2.00	Director	$0	$0	$0
MICHELE MORRISON	Director	2.00	Director	$0	$0	$0
DANIELLE ROSELLI	Director	2.00	Director	$0	$0	$0
CHRISTINA ULINSKI PING	Director	2.00	Director	$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
2025	$211,581	$288,380	$1,409,356	$-76,799
2024	$1,301,149	$383,933	$1,528,744	$917,216
2023	$335,676	$573,501	$561,044	$-237,825
2022	$513,729	$615,499	$905,230	$-101,770
2021	$551,378	$512,572	$926,525	$38,806
2020	$283,813	$430,635	$866,845	$-146,822
2019	$528,763	$502,470	$1,042,262	$26,293
2018	$562,734	$417,475	$989,241	$145,259

SOUTHERN OCEAN COUNTY CHAMBER OF COMMERCE