LEBANON VALLEY CHAMBER OF COMMERCE (EIN 230793765) - 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

1916

Legal Domicile

Principal Officer

KAREN GROH

Phone

7172733727

Tax Period

2025-01-01 to 2025-12-31

LEBANON VALLEY CHAMBER OF COMMERCE, founded in 1916, is a small nonprofit that reported $570K in total revenue in fiscal year 2025. Expenses of $541K left a modest 5% surplus.

Mission

WE ARE LEBANON VALLEY'S LEADING BUSINESS ORGANIZATION PROVIDING EDUCATION, NETWORKING, SERVICES, AND ADVOCACY TO SUPPORT AND DEVELOP OUR MEMBERS AND BUSINESS COMMUNITY.

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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 $342,249

Program Service Revenue $193,777

Investment Income $13,068

Other Revenue $20,628

TOTAL REVENUE $569,722

Expense Breakdown

Grants Paid $0

Salaries & Benefits $357,585

Fundraising Expenses $0

Other Expenses $183,653

TOTAL EXPENSES $541,238

Year-over-Year Comparison

	2025	2024	Change
Revenue	$569,722	$544,143	+0.0%
Expenses	$541,238	$526,691	+0.0%
Net Income	$28,484	$17,452	+0.6%

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

$110,874

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRUCE DARKES	CHAIRMAN	1.00	Officer Director	$0	$0	$0
VALARIE WEABER	TREASURER/SECRETARY	0.00	Officer Director	$0	$0	$0
BRANDON BOOSE	DIRECTOR	0.00	Director	$0	$0	$0
KRISTA ANTONIS	DIRECTOR	0.00	Director	$0	$0	$0
SUSAN BLOUCH	DIRECTOR	0.00	Director	$0	$0	$0
PATRICK FREER	DIRECTOR	0.00	Director	$0	$0	$0
MARISELA FUSTER	DIRECTOR	0.00	Director	$0	$0	$0
DERRICK KREISER	DIRECTOR	0.00	Director	$0	$0	$0
CHARLES BENTON	DIRECTOR	0.00	Director	$0	$0	$0
PEGGY MORCOM	CHAIR-ELECT	0.00	Director	$0	$0	$0
KATE GERDES	DIRECTOR	0.00	Director	$0	$0	$0
TINA CITRO	DIRECTOR	0.00	Director	$0	$0	$0
KIMBERLY KREIDER UMBLE	DIRECTOR	0.00	Director	$0	$0	$0
LERON LEHMAN	DIRECTOR	0.00	Director	$0	$0	$0
JOHN NOLL	DIRECTOR	0.00	Director	$0	$0	$0
SARAH WOROBEY	DIRECTOR	0.00	Director	$0	$0	$0
JENNIFER THOMPSON	DIRECTOR	0.00	Director	$0	$0	$0
KRISTI HELLER	DIRECTOR	0.00	Director	$0	$0	$0
HARRY MCCONNELL	DIRECTOR	0.00	Director	$0	$0	$0
TRACI UNAL	DIRECTOR	0.00	Director	$0	$0	$0
KAREN GROH	PRESIDENT & CEO	40.00	Officer	$92,276	$18,598	$110,874

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	$569,722	$541,238	$324,944	$28,484
2024	No data	No data	No data	No data
2023	$575,868	$551,529	$280,882	$24,339
2022	$447,854	$421,750	$257,044	$26,104
2021	$467,144	$389,349	$229,478	$77,795
2020	$398,471	$328,064	$153,470	$70,407

LEBANON VALLEY CHAMBER OF COMMERCE