SUBURBAN CHAMBERS OF COMMERCE

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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

1917

Legal Domicile

Principal Officer

JOSEPH STEINER

Phone

9085221700

Tax Period

2023-01-01 to 2023-12-31

SUBURBAN CHAMBERS OF COMMERCE, founded in 1917, is a small nonprofit that reported $163K in total revenue in fiscal year 2023. Revenue decreased 14% compared to the prior year. Expenses of $185K exceeded revenue, resulting in a 13% operating deficit.

Mission

TO ENCOURAGE THE DEVELOPMENT AND IMPROVEMENT OF THE QUALITY OF LIFE IN THE BUSINESS COMMUNITY.

Program Service Accomplishments

Program 1

EVENTS AND COMMUNITY PROJECTS PROVIDE SERVICES TO MEMBERS AND PROMOTE BUSINESS IN LOCAL AREA BUSINESS

Program 2

PUBLICATION OF THE COLLECTION - A COMMUNITY PUBLICATION FOCUSING ON REGIONAL PROMOTION AND BUSINESS AWARENESS

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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 (2023)

Revenue Breakdown

Contributions & Grants $3,704

Program Service Revenue $159,655

Investment Income $42

Other Revenue $0

TOTAL REVENUE $163,401

Expense Breakdown

Grants Paid $0

Salaries & Benefits $31,060

Fundraising Expenses $0

Other Expenses $154,158

TOTAL EXPENSES $185,218

Year-over-Year Comparison

	2023	2022	Change
Revenue	$163,401	$189,723	-0.1%
Expenses	$185,218	$161,472	+0.1%
Net Income	$-21,817	$28,251	-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

$27,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID DIETZE	CO-CHAIR	5.00	Officer Director	$0	$0	$0
MARCELLA GENCARELLI	CO-CHAIR	5.00	Officer Director	$0	$0	$0
JAMES KWAN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
ROXANNE GIACALONE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JOSEPH EBERLE	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JOE STEINER	SECRETARY/TREASURER	5.00	Officer Director	$0	$0	$0
ROBERT DAVIES	BOARD MEMBER	1.00	Director	$0	$0	$0
MAY ABRAHAM FRIDEL	BOARD MEMBER	1.00	Director	$0	$0	$0
KELLY BONVENTRE	BOARD MEMBER	1.00	Director	$0	$0	$0
JIMMY JOSEPH	BOARD MEMBER	1.00	Director	$0	$0	$0
PAUL KIELTYKA	BOARD MEMBER	1.00	Director	$0	$0	$0
KERRY MOWRY	BOARD MEMBER	1.00	Director	$0	$0	$0
KAREN HADLEY	BOARD MEMBER.EX DIRECTOR	20.00	Director	$27,500	$0	$27,500

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	No data	No data	No data	No data
2023	$163,401	$185,218	$41,097	$-21,817
2022	$189,723	$161,472	$62,914	$28,251
2021	$181,232	$164,480	$36,330	$16,752
2020	$109,731	$95,757	$27,911	$13,974
2019	$225,970	$243,160	$11,245	$-17,190
2018	$267,870	$267,437	$28,435	$433