GREATER POINT PLEASANT BEACH CHAMBER OF COMMERCE (EIN 210615732) - 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

1947

Legal Domicile

Principal Officer

SHOANA TERRA-NOVA

Phone

7328992424

Tax Period

2024-01-01 to 2024-12-31

GREATER POINT PLEASANT BEACH CHAMBER OF COMMERCE, founded in 1947, is a small nonprofit in the Community Improvement sector that reported $304K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year.

Mission

TO PROMOTE TOWN QUALITIES

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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 (2024)

Revenue Breakdown

Contributions & Grants $256,815

Program Service Revenue $1,999

Investment Income $0

Other Revenue $45,476

TOTAL REVENUE $304,290

Expense Breakdown

Grants Paid $0

Salaries & Benefits $111,726

Fundraising Expenses $0

Other Expenses $203,830

TOTAL EXPENSES $315,556

Year-over-Year Comparison

	2024	2023	Change
Revenue	$304,290	$326,275	-0.1%
Expenses	$315,556	$317,389	0.0%
Net Income	$-11,266	$8,886	-2.3%

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

N/A

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

$73,300

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SHOANA TERRA-NOVA	PRESIDENT	3.00	Officer	$0	$0	$0
JAMES WARD	1ST VICE PRESIDENT	3.00	Officer	$0	$0	$0
JACKIE BONSPER	2ND VICE PRESIDENT	3.00	Officer	$0	$0	$0
COLLEEN LONGO	TREASURER	3.00	Officer	$0	$0	$0
CHRISTINA RANURO	SECRETARY	N/A	Officer	$0	$0	$0
CAROL VACCARO	EXECUTIVE DIRECTOR	40.00	Key Emp Highest	$73,300	$0	$73,300
JEFF DEFELICE	DIRECTOR	3.00	Director	$0	$0	$0
ED DEFELICE	DIRECTOR	3.00	Director	$0	$0	$0
DEE HECKEL	DIRECTOR	3.00	Director	$0	$0	$0
RICK HOMER	DIRECTOR	3.00	Director	$0	$0	$0
KELLY COYLE CRIVELLI	DIRECTOR	3.00	Director	$0	$0	$0
DYLAN T IPPOLITO	DIRECTOR	3.00	Director	$0	$0	$0
TOM DELLA BADIA	DIRECTOR	3.00	Director	$0	$0	$0
JENNIFER JARAHIAN	DIRECTOR	3.00	Director	$0	$0	$0
MICHAEL ST GEORGE	DIRECTOR	3.00	Director	$0	$0	$0
RITA PERMUKO	DIRECTOR	3.00	Director	$0	$0	$0
KELLY PREVITE	DIRECTOR	3.00	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
2024	$304,290	$315,556	$77,787	$-11,266
2023	$326,275	$317,389	$87,335	$8,886
2022	$292,050	$292,991	$74,041	$-941
2021	$274,935	$260,125	$68,388	$14,810
2018	$162,891	$171,041	$30,303	$-8,150

GREATER POINT PLEASANT BEACH CHAMBER OF COMMERCE