SHIPPENSBURG AREA CHAMBER OF COMMERCE (EIN 231697886) - 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

1970

Legal Domicile

Principal Officer

CHRYSTAL MIRACLE

Phone

7175325509

Tax Period

2023-01-01 to 2023-12-31

SHIPPENSBURG AREA CHAMBER OF COMMERCE, founded in 1970, is a small nonprofit that reported $189K in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion.

Mission

TO PROMOTE BUSINESS AND COMMERCE IN THE COMMUNITY OF SHIPPENSBURG, PENNSYLVANIA.

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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 $61,309

Program Service Revenue $0

Investment Income $2,823

Other Revenue $124,702

TOTAL REVENUE $188,834

Expense Breakdown

Grants Paid $0

Salaries & Benefits $116,086

Fundraising Expenses $0

Other Expenses $87,637

TOTAL EXPENSES $203,723

Year-over-Year Comparison

	2023	2022	Change
Revenue	$188,834	$170,492	+0.1%
Expenses	$203,723	$161,930	+0.3%
Net Income	$-14,889	$8,562	-2.7%

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

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

$30,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NINA REESE	CHAIR	4.00	Officer Director	$0	$0	$0
DIRK BUMGARDNER	VICE CHAIR	4.00	Officer Director	$0	$0	$0
CHRYSTAL MIRACLE	TREASURER	4.00	Officer Director	$0	$0	$0
DR RONALD TAYLOR	SECRETARY	4.00	Officer Director	$0	$0	$0
SCOTT ECKENRODE	PAST CHAIR	1.00	Director	$0	$0	$0
L REBECCA ABLES ESQ	DIRECTOR	1.00	Director	$0	$0	$0
MARK GOODHART	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MASIMILLA	DIRECTOR	1.00	Director	$0	$0	$0
WILLIAM HUMPHREY	DIRECTOR	1.00	Director	$0	$0	$0
JOSH MICHALISZYN	DIRECTOR	1.00	Director	$0	$0	$0
STEVE OLDT	DIRECTOR	1.00	Director	$0	$0	$0
NICOLE SMITH	DIRECTOR	1.00	Director	$0	$0	$0
MARCIE TAYLOR	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH TRACE	DIRECTOR	1.00	Director	$0	$0	$0
KAYLA YOUNG	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH LUFFY	EX-OFFICIO DIRECTOR	1.00	Director	$0	$0	$0
KATHY COY MAYOR	EX-OFFICIO DIRECTOR	1.00	Director	$0	$0	$0
SCOTT BROWN	PRESIDENT/EXECUTIVE DIRECT	20.00	Officer	$30,000	$0	$30,000

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	$188,834	$203,723	$423,203	$-14,889
2022	$170,492	$161,930	$453,009	$8,562
2021	$173,393	$164,687	$467,852	$8,706
2018	$132,447	$112,390	$120,413	$20,057

SHIPPENSBURG AREA CHAMBER OF COMMERCE