STONE HARBOR 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

2005

Legal Domicile

Principal Officer

MARILYN HAHLE

Phone

6093686101

Tax Period

2025-01-01 to 2025-12-31

STONE HARBOR CHAMBER OF COMMERCE, founded in 2005, is a small nonprofit in the Community Improvement sector that reported $134K in total revenue in fiscal year 2025. Expenses of $119K left a modest 11% surplus.

Mission

TO PROMOTE BUSINESS AND TOURISM IN STONE HARBOR, NJ

Program Service Accomplishments

Program 1

Expenses: $72,964 Revenue: $108,289

CONCERTS AT THE TOWER IN SUMMER PROVIDE MUSIC FOR FAMILY ENJOYMENT EVERY TUESDAY AND CREATES A FRIENDLY AWARENESS OF THE TOWN. SAVOR SEPTEMBER FOOD, WINE AND BEER FESTIVAL SHOWCASE THE BEST FOOD...

CONCERTS AT THE TOWER IN SUMMER PROVIDE MUSIC FOR FAMILY ENJOYMENT EVERY TUESDAY AND CREATES A FRIENDLY AWARENESS OF THE TOWN. SAVOR SEPTEMBER FOOD, WINE AND BEER FESTIVAL SHOWCASE THE BEST FOOD, WINE, MICROBREWS, ART, MUSIC AND CULTURE THE AREA HAS TO OFFER. OYSTER AND CLAM SHUCKING, CARNIVAL GAMES, ZOO ANIMALS AND ART ACTIVITIES FOR KIDS, A GRAPE STOMPING COMPETITION AND CAFE WITH FIRE PITS FOR EVENING ENTERTAINMENT. THIS EVENT SHOWCASES THE DOWNTOWN SHOPPING AREA.THE SPRING INTO SUMMER EVENT BRINGS PEOPLE INTO TOWN FOR A NEW AWAKENING OF THE SEASONAL TOWN AFTER THE COLD WINTER. THERE IS AN OUTDOOR MARKET FEATURING LOCAL BUSINESSES SPECIALIZING IN BOATING, FISHING, BBQ, BEER AND MORE. LIVE MUSIC IS PLAYED THROUGHOUT THE DAY.

Program 2

Expenses: $38,365 Revenue: $54,958

STONE HARBOR AD BOOK PROVIDES ADVERTISING FOR THE MERCHANTS AND ALL OTHER ORGANIZATIONS IN THE COMMUNITY.

Program 3

Expenses: $16,653 Revenue: $28,825

SHIVER POLAR PLUNGE EVENT DRAWS PEOPLE INTO TOWN ST. PADDY'S WEEKEND.

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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 $49,350

Program Service Revenue $0

Investment Income $4

Other Revenue $85,127

TOTAL REVENUE $134,481

Expense Breakdown

Grants Paid $7,550

Salaries & Benefits $80,334

Fundraising Expenses $0

Program Expenses $146,037

Other Expenses $31,478

TOTAL EXPENSES $119,362

Year-over-Year Comparison

	2025	2024	Change
Revenue	$134,481	$126,055	+0.1%
Expenses	$119,362	$112,004	+0.1%
Net Income	$15,119	$14,051	+0.1%

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

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

$14,812

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARILYN HAHLE	PRESIDENT	2.00	Officer	$0	$0	$0
MARILYN HAHLE	SECRETARY	2.00	Officer	$0	$0	$0
EILEEN KAJETZKE	TREASURER	13.00	Officer	$14,812	$0	$14,812

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	$134,481	$119,362	$40,967	$15,119
2024	$126,055	$112,004	$25,848	$14,051
2023	$92,968	$108,077	$11,797	$-15,109
2022	$132,166	$111,344	$26,906	$20,822
2021	$76,525	$92,238	$6,084	$-15,713
2020	$86,289	$83,190	$21,797	$3,099
2019	$124,321	$115,597	$18,698	$8,724
2018	$104,163	$107,637	$9,974	$-3,474