LAMBERTVILLE AREA CHAMBER OF COMMERCE (EIN 222038168) - 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

1973

Legal Domicile

Phone

6099472977

Tax Period

2019-01-01 to 2019-12-31

LAMBERTVILLE AREA CHAMBER OF COMMERCE, founded in 1973, is a small nonprofit that reported $124K in total revenue in fiscal year 2019. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $137K exceeded revenue, resulting in a 10% operating deficit.

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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 (2019)

Revenue Breakdown

Contributions & Grants $54,772

Program Service Revenue $0

Investment Income $0

Other Revenue $69,272

TOTAL REVENUE $124,044

Expense Breakdown

Grants Paid $0

Salaries & Benefits $50,108

Fundraising Expenses $26,995

Program Expenses $31,078

Other Expenses $86,817

TOTAL EXPENSES $136,925

Year-over-Year Comparison

	2019	2018	Change
Revenue	$124,044	$183,285	-0.3%
Expenses	$136,925	$183,015	-0.3%
Net Income	$-12,881	$270	-48.7%

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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SAM GRILLO	BOARD MEMBER	3.00	Director	$0	$0	$0
WENDY KELLY	BOARD MEMBER	2.00	Director	$0	$0	$0
LINDA SGHIATTI	BOARD MEMBER	1.00	Director	$0	$0	$0
ELIANE TALEC	BOARD MEMBER	5.00	Director	$0	$0	$0
HEATHER WALTER	BOARD MEMBER	2.00	Director	$0	$0	$0
JANE WESBY	BOARD MEMBER	1.00	Director	$0	$0	$0
BRYAN SCHREK	BOARD MEMBER	1.00	Director	$0	$0	$0
LINDSAY SIRCHIO	BOARD MEMBER	1.00	Director	$0	$0	$0
CAROLYN HOLDSWORTH	PRESIDENT	5.00	Officer	$0	$0	$0
BETH JACPHEN	TREASURER	2.00	Officer	$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
2019	$124,044	$136,925	$31,513	$-12,881
2018	$183,285	$183,015	$44,577	$270

LAMBERTVILLE AREA CHAMBER OF COMMERCE