METUCHEN AREA CHAMBER 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

1950

Legal Domicile

Principal Officer

Tyreen Reuter

Phone

7325482964

Tax Period

2022-01-01 to 2022-12-31

METUCHEN AREA CHAMBER OF COMMERCE, founded in 1950, is a micro nonprofit in the Community Improvement sector that reported $4K in total revenue in fiscal year 2022. Revenue fell 96% from the prior year — a significant decline worth monitoring. Expenses of $100K exceeded revenue, resulting in a 2670% operating deficit.

Mission

TO ADVANCE THE BOROUGH OF METUCHEN AND VICINITY IN ITS CIVIC, INDUSTRIAL,PROFESSIONAL AND COMMERCIAL INTEREST.

Program Service Accomplishments

Program 1

TO ADVANCE THE BOROUGH OF METUCHEN AND VICINITY IN ITS CIVIC, INDUSTRIAL, PROFESSIONAL AND COMMERCIAL INTEREST.

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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 (2022)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $0

Investment Income $107

Other Revenue $3,488

TOTAL REVENUE $3,595

Expense Breakdown

Grants Paid $82,672

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $16,898

TOTAL EXPENSES $99,570

Year-over-Year Comparison

	2022	2021	Change
Revenue	$3,595	$89,175	-1.0%
Expenses	$99,570	$107,685	-0.1%
Net Income	$-95,975	$-18,510	+4.2%

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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TYREEN REUTER	EXECUTIVE DIRECTOR	N/A	Officer	$0	$0	$0
Jacquie Zuvich	President	N/A	Officer	$0	$0	$0
Colleen Hanson	Treasurer	N/A	Officer	$0	$0	$0
Lorraine Mulligan	Secretary	N/A	Officer	$0	$0	$0
Moshe Atzbi	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Joseph Cascio Jr	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Robert Diken	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
James Jones	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Jan Margolis	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Gabe Rosanio	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Leon Schwartz	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Larry Sclafani	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Dan Slobodien	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Gary Wade	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Lisa Weidmaier	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Susan Wilcox	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Dottie Winhold	BOARD OF DIRECTORS	N/A	Director	$0	$0	$0
Deborah Zupan	BOARD OF DIRECTORS	N/A	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
2022	$3,595	$99,570	No data	$-95,975
2021	$89,068	$107,685	$105,749	$-18,617
2020	$85,651	$109,998	$151,975	$-24,347
2019	$150,217	$159,918	$161,605	$-9,701
2018	$177,955	$165,069	$170,911	$12,886