SOUTHERN MONMOUTH CHAMBE OF COMMERCE (EIN 222398689) - 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

1979

Legal Domicile

Principal Officer

EVELYN MARS

Phone

7322808800

Tax Period

2023-01-01 to 2023-12-31

SOUTHERN MONMOUTH CHAMBE OF COMMERCE, founded in 1979, is a small nonprofit that reported $314K in total revenue in fiscal year 2023. Revenue decreased 8% compared to the prior year.

Mission

ADVANCEMENT OF BUSINESS INTERESTS COMMUNITY 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 $93,741

Program Service Revenue $220,240

Investment Income $133

Other Revenue $0

TOTAL REVENUE $314,114

Expense Breakdown

Grants Paid $2,188

Salaries & Benefits $133,598

Fundraising Expenses $0

Program Expenses $236,732

Other Expenses $203,026

TOTAL EXPENSES $338,812

Year-over-Year Comparison

	2023	2022	Change
Revenue	$314,114	$341,698	-0.1%
Expenses	$338,812	$343,633	0.0%
Net Income	$-24,698	$-1,935	+11.8%

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

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
DANIELLE WOLOWITZ	PRESIDENT	002.00	Officer Director	$0	$0	$0
ALISON ERTL	1ST VP	002.00	Officer Director	$0	$0	$0
SEAN KEATING	DIRECTOR	002.00	Officer Director	$0	$0	$0
ADAM PUHARIC	TREASURER	002.00	Officer Director	$0	$0	$0
KELLYANN SKORUPSKI	SECRETARY	002.00	Officer Director	$0	$0	$0
EVELYN MARS	EXECUTIVE DIRECTOR	040.00	Director Key Emp Highest	$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
2024	No data	No data	No data	No data
2023	$314,114	$338,812	$179,432	$-24,698
2021	$300,986	$284,249	$206,597	$16,737
2020	$238,726	$199,717	$180,742	$39,009
2019	$290,385	$222,615	$102,823	$67,770
2018	$220,785	$238,730	$37,824	$-17,945

SOUTHERN MONMOUTH CHAMBE OF COMMERCE