SCHUYLKILL 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

1954

Legal Domicile

Principal Officer

ROBERT S CARL JR

Phone

5706221942

Tax Period

2024-07-01 to 2025-06-30

SCHUYLKILL CHAMBER OF COMMERCE, founded in 1954, is a small nonprofit that reported $641K in total revenue in fiscal year 2024.

Mission

TO PROMOTE COMMERCIAL, INDUSTRIAL, AND CIVIL INTEREST IN SCHUYLKILL COUNTY, PA.

Program Service Accomplishments

Program 1

Expenses: $555,405

THE CHAMBER PROVIDES VARIOUS SUPPORT AND EDUCATIONAL SERVICES TO APPROXIMATELY 1,000 BUSINESS MEMBERS. THESE SERVICES INCLUDE A NEWSLETTER, SEMINARS, INSURANCE PROGRAMS, AND VARIOUS MEETINGS.

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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 $0

Program Service Revenue $384,522

Investment Income $84,370

Other Revenue $171,729

TOTAL REVENUE $640,621

Expense Breakdown

Grants Paid $0

Salaries & Benefits $469,555

Fundraising Expenses $0

Program Expenses $555,405

Other Expenses $175,490

TOTAL EXPENSES $645,045

Year-over-Year Comparison

	2024	2023	Change
Revenue	$640,621	$609,821	+0.1%
Expenses	$645,045	$554,734	+0.2%
Net Income	$-4,424	$55,087	-1.1%

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

$106,886

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA MENSCH	PAST CHAIR	1.00	Officer Director	$0	$0	$0
JAMIE BARTON	CHAIR	5.00	Officer Director	$0	$0	$0
SAVAS LOGOTHETIDES	1ST VICE CHA	5.00	Officer Director	$0	$0	$0
ROBERT S CARL JR	PRESIDENT/CE	40.00	Officer	$106,886	$0	$106,886
MICHELLE LEWANDOWSKI	2ND VICE CHA	5.00	Officer Director	$0	$0	$0
PETER KEITSOCK	TREASURER	5.00	Officer Director	$0	$0	$0
ED WINKELBAUER	SECRETARY	5.00	Officer Director	$0	$0	$0
JESSICA DEAN	DIRECTOR	1.00	Director	$0	$0	$0
JEFFREY WESSNER	DIRECTOR	1.00	Director	$0	$0	$0
ASHLEY SECURDA	DIRECTOR	1.00	Director	$0	$0	$0
MAUREEN DONOVAN	DIRECTOR	1.00	Director	$0	$0	$0
LORI GUZICK ESQ	DIRECTOR	1.00	Director	$0	$0	$0
JACK BARTON	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK MORAN	DIRECTOR	1.00	Director	$0	$0	$0
MARY BETH DOUGHERTY	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE YUENGLING FERHAT	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM REPPY	DIRECTOR	1.00	Director	$0	$0	$0
BRYAN KELLY	DIRECTOR	1.00	Director	$0	$0	$0
JENNA ST CLAIR	DIRECTOR	1.00	Director	$0	$0	$0
JACQUELINE ENGEL	DIRECTOR	1.00	Director	$0	$0	$0
BRIDGET MILLER	DIRECTOR	1.00	Director	$0	$0	$0
MARK KETCH	DIRECTOR	1.00	Director	$0	$0	$0
GABE KAMAROUSKY	DIRECTOR	1.00	Director	$0	$0	$0
SHARON YACKENCHICK	DIRECTOR	1.00	Director	$0	$0	$0
ANN DUDISH	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL HAMMER	DIRECTOR	1.00	Director	$0	$0	$0
CORY SCHERER	DIRECTOR	1.00	Director	$0	$0	$0
TOM YASHINSKY	DIRECTOR	1.00	Director	$0	$0	$0
TERRY PURCELL	DIRECTOR	1.00	Director	$0	$0	$0
TREY HOOK	DIRECTOR	1.00	Director	$0	$0	$0
TOM TELES	DIRECTOR	1.00	Director	$0	$0	$0
REGINA WOZNISKI	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH DRADIS III	DIRECTOR	1.00	Director	$0	$0	$0
CODY PAGE	DIRECTOR	1.00	Director	$0	$0	$0
GARY COLBY	DIRECTOR	1.00	Director	$0	$0	$0
TALIAH KUPERAVAGE	DIRECTOR	1.00	Director	$0	$0	$0
NICK BOYLE	DIRECTOR	1.00	Director	$0	$0	$0
GLENN WEIST	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL SHANER	DIRECTOR	1.00	Director	$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
2025	$640,621	$645,045	$1,440,779	$-4,424
2024	$609,821	$554,734	$1,457,200	$55,087
2023	$557,045	$524,652	$1,442,338	$32,393
2021	$571,402	$421,952	$1,486,032	$149,450
2020	$430,505	$415,707	$1,321,152	$14,798
2019	$498,056	$462,126	$1,278,171	$35,930
2018	$474,758	$420,169	$1,249,246	$54,589