STONE HARBOR CHAMBER OF COMMERCE (EIN 222025195) - 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

2005

Legal Domicile

Principal Officer

MARILYN HAHLE

Phone

6093686101

Tax Period

2024-01-01 to 2024-12-31

STONE HARBOR CHAMBER OF COMMERCE, founded in 2005, is a small nonprofit in the Community Improvement sector that reported $126K in total revenue in fiscal year 2024. Revenue surged 36% from the prior year, signaling strong growth momentum. Expenses of $112K left a modest 11% surplus.

Mission

TO PROMOTE BUSINESS AND TOURISM IN STONE HARBOR, NJ

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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 $41,976

Program Service Revenue $0

Investment Income $3

Other Revenue $84,076

TOTAL REVENUE $126,055

Expense Breakdown

Grants Paid $8,150

Salaries & Benefits $76,534

Fundraising Expenses $0

Program Expenses $141,098

Other Expenses $27,320

TOTAL EXPENSES $112,004

Year-over-Year Comparison

	2024	2023	Change
Revenue	$126,055	$92,968	+0.4%
Expenses	$112,004	$108,077	+0.0%
Net Income	$14,051	$-15,109	-1.9%

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

$16,658

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	$16,658	$0	$16,658

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	$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

STONE HARBOR CHAMBER OF COMMERCE