NAZARETH AREA 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

1982

Legal Domicile

Principal Officer

VANESSA SABATINE

Phone

6103491532

Tax Period

2019-01-01 to 2019-12-31

NAZARETH AREA CHAMBER OF COMMERCE, founded in 1982, is a micro nonprofit that reported $47K in total revenue in fiscal year 2019. Revenue fell 44% from the prior year — a significant decline worth monitoring. Expenses of $54K exceeded revenue, resulting in a 16% operating deficit.

Mission

TO ADVANCE AND PROMOTE THE GREATER NAZARETH, PA AREA. TO FOSTER THE ECONOMIC SUCCESS OF OUR LOCAL BUSINESSES.

Program Service Accomplishments

Program 1

ANNUAL DINNER, ANNUAL CLAMBAKE, GUIDE TO NAZARETH ARE SOME OF THE PROGRAMS THE NAZARETH AREA CHAMBER HOSTS TO BENEFIT LOCAL BUSINESSES.

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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 (2019)

Revenue Breakdown

Contributions & Grants $34,040

Program Service Revenue $12,812

Investment Income $41

Other Revenue $0

TOTAL REVENUE $46,893

Expense Breakdown

Grants Paid $0

Salaries & Benefits $24,089

Fundraising Expenses $0

Other Expenses $30,197

TOTAL EXPENSES $54,286

Year-over-Year Comparison

	2019	2018	Change
Revenue	$46,893	$83,937	-0.4%
Expenses	$54,286	$98,474	-0.4%
Net Income	$-7,393	$-14,537	-0.5%

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
VANESSA SABATINE	DIRECTOR	3.00	Officer Director	$0	$0	$0
BILL SKINNER	CHAIRMAN	3.00	Officer	$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
2019	$46,893	$54,286	$4,614	$-7,393
2018	$83,937	$98,474	$12,344	$-14,537