EASTERN MONMOUTH AREA CHAMBER OF COMMERCE (EIN 210600353) - 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

1928

Legal Domicile

Principal Officer

CHRISTOPHER RYAN

Phone

7327410055

Tax Period

2021-01-01 to 2021-12-31

EASTERN MONMOUTH AREA CHAMBER OF COMMERCE, founded in 1928, is a small nonprofit that reported $103K in total revenue in fiscal year 2021. Revenue grew 15% year-over-year, indicating healthy expansion. Expenses of $128K exceeded revenue, resulting in a 25% operating deficit.

Mission

INTERESTS OF THE BUSINESS COMMUNITY SERVED BY THE EASTERN MONMOUTH AREA CHAMBER OF COMMERCE.

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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 $44,948

Program Service Revenue $57,634

Investment Income $0

Other Revenue $0

TOTAL REVENUE $102,582

Expense Breakdown

Grants Paid $0

Salaries & Benefits $83,881

Fundraising Expenses $0

Other Expenses $44,315

TOTAL EXPENSES $128,196

Year-over-Year Comparison

	2021	2020	Change
Revenue	$102,582	$89,165	+0.2%
Expenses	$128,196	$86,077	+0.5%
Net Income	$-25,614	$3,088	-9.3%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAC BLOOMBERG	DIRECTOR	N/A	Director	$0	$0	$0
TIM DAVIS	2ND VICE CHA	N/A	Officer Director	$0	$0	$0
THOMAS DUFFY	PAST CHAIRMA	N/A	Director	$0	$0	$0
RAY ECKOFF	DIRECTOR	N/A	Director	$0	$0	$0
SHARON FRANKLIN	DIRECTOR	N/A	Director	$0	$0	$0
RICK GUMINA	DIRECTOR	N/A	Director	$0	$0	$0
DOMINIC LATORRACA	SECRETARY	N/A	Officer Director	$0	$0	$0
JESSICA MAZUR	DIRECTOR	N/A	Director	$0	$0	$0
KEVIN MCCORMACK	DIRECTOR	N/A	Director	$0	$0	$0
KEVIN MOEDT	DIRECTOR	N/A	Director	$0	$0	$0
KEVIN MULDOWNEY	TREASURER	N/A	Officer Director	$0	$0	$0
PETER PFISTER	DIRECTOR	N/A	Director	$0	$0	$0
RICHARD RICCIARDI	DIRECTOR	N/A	Director	$0	$0	$0
CHRISTOPHER RYAN	CHAIRMAN	N/A	Officer Director	$0	$0	$0
ELAINE SCHEMBRE	DIRECTOR	N/A	Director	$0	$0	$0
MATTHEW SCHNEIDER	DIRECTOR	N/A	Director	$0	$0	$0
JOAN SCOCCO	DIRECTOR	N/A	Director	$0	$0	$0
AMANDA STONE	DIRECTOR	N/A	Director	$0	$0	$0
JANE TRESNAN	DIRECTOR	N/A	Director	$0	$0	$0
JULIA ZAPCIC	VICE CHAIRMA	N/A	Officer 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
2021	$102,582	$128,196	$143,959	$-25,614
2020	$89,165	$86,077	$159,570	$3,088
2019	$111,364	$97,004	$113,994	$14,360
2018	$135,572	$74,941	$96,189	$60,631
2017	$99,645	$86,212	$41,791	$13,433

EASTERN MONMOUTH AREA CHAMBER OF COMMERCE