CENTRAL BUCKS CHAMBER OF COMMERCE (EIN 231886403) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1946

Legal Domicile

Principal Officer

THERESA FERA

Phone

2153483913

Tax Period

2023-01-01 to 2023-12-31

CENTRAL BUCKS CHAMBER OF COMMERCE, founded in 1946, is a small nonprofit that reported $618K in total revenue in fiscal year 2023. Expenses of $763K exceeded revenue, resulting in a 24% operating deficit.

Mission

TO PROMOTE SUCCESSFUL BUSINESS ACTIVITY IN THE CENTRAL BUCKS COUNTY, PA AREA.

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $37,350

Program Service Revenue $506,714

Investment Income $167

Other Revenue $73,464

TOTAL REVENUE $617,695

Expense Breakdown

Grants Paid $16,100

Salaries & Benefits $511,459

Fundraising Expenses $0

Program Expenses $633,918

Other Expenses $235,476

TOTAL EXPENSES $763,035

Year-over-Year Comparison

	2023	2022	Change
Revenue	$617,695	$594,886	+0.0%
Expenses	$763,035	$757,024	+0.0%
Net Income	$-145,340	$-162,138	-0.1%

Key Indicators

✗ Grants to Organizations ✓ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

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

$129,488

Total Directors

$115,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANNA M SHANTZ PHD	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
BRIDGET WINGERT	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
DEBORAH MA WAGNER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ERVIN H HALL	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JAMES BREXLER	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JOHN D BRAY	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
KEVIN PUTMAN JR	CHAIRMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
MICHAEL B RAPHAEL AIA LEED AP	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
NICHOLAS S MOLLOY	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
RONALD DAVIS	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
THOMAS L HEBEL	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
CATHERINE CAVELLA ESQ	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
FRANK SULLIVAN ESQ	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
STEVEN E STAUGAITIS CPA CVA	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JAMES BISHOP	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ARTHUR L D'ANGELO	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JENNIFER ECKFIELD	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN WORTH	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
W THOMAS LOMAX	DIRECTOR	1.00	Director	$0	$0	$0
MONIQUE GAILLARD	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
SUE LAROSSA	CORPORATE SECRETARY	1.00	Director	$0	$0	$0
CAM MAIO	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
ROBERT MCGOWAN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JEANE M VIDONI	PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
BARBARA DONNELLY BENTIVOGLIO	PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
BETH BEANS GILBERT	PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
BLAIR T RUSH	PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
BOB WELCH	PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
ERIC W HOPKINS ESQ	PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
MICHAEL ARATEN	PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
WILLIAM R SCHUFF	HONORARY DIRECTOR	1.00	Director	$0	$0	$0
DON F WHITNEY	EXECUTIVE VICE PRESIDENT	1.00	Director	$0	$0	$0
ROBERT E CAMPBELL	PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
KEVIN JAMESON	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT R LITTLE	DIRECTOR	1.00	Director	$0	$0	$0
PAM MIKULA PAOLINO	DIRECTOR	1.00	Director	$0	$0	$0
THERESA FERA	PRESIDENT & CEO	40.00	Officer Director	$115,000	$0	$115,000
HELEN AMELSBERG	DIRECTOR	1.00	Director	$0	$0	$0
JANE ARMSTRONG	DIRECTOR	1.00	Director	$0	$0	$0
KIM ARNOLD	DIRECTOR	1.00	Director	$0	$0	$0
TINE HANSEN-TURTON	DIRECTOR	1.00	Director	$0	$0	$0
KATHY MARCINO	DIRECTOR	1.00	Director	$0	$0	$0
JOANNE MURRAY ESQ	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH PHILLIPS	DIRECTOR	1.00	Director	$0	$0	$0
DR VAIL P GARVIN	CHAIRMAN EMERITUS	40.00	Officer	$14,488	$0	$14,488

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	$617,695	$763,035	$350,937	$-145,340
2022	$594,886	$757,024	$491,474	$-162,138
2021	$762,252	$738,796	$564,769	$23,456
2020	$586,535	$607,033	$419,585	$-20,498
2019	$776,363	$776,127	$443,284	$236
2018	$807,269	$819,607	$468,236	$-12,338

CENTRAL BUCKS CHAMBER OF COMMERCE