Palmerton Area Chamber of Commerce (EIN 232669558) - 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

1957

Legal Domicile

Principal Officer

Peter Kern

Phone

6108246954

Tax Period

2020-01-01 to 2020-12-31

Palmerton Area Chamber of Commerce, founded in 1957, is a micro nonprofit that reported $27K in total revenue in fiscal year 2020. Revenue surged 429% from the prior year, signaling strong growth momentum. The organization ran a surplus of $18K, a strong 67% operating margin.

Mission

Promote Businesses and the Borough of Palmerton, PA.

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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 (2020)

Revenue Breakdown

Contributions & Grants $12,050

Program Service Revenue $15,180

Investment Income $1

Other Revenue $0

TOTAL REVENUE $27,231

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $9,097

TOTAL EXPENSES $9,097

Year-over-Year Comparison

	2020	2019	Change
Revenue	$27,231	$5,151	+4.3%
Expenses	$9,097	$8,905	+0.0%
Net Income	$18,134	$-3,754	-5.8%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Peter Kern	President	3.00	Officer	$0	$0	$0
Jayne Stahler	Treasurer	3.00	Officer	$0	$0	$0
Sherri Anthony	Secretary	2.00	Officer	$0	$0	$0
Jeff Hager	Vice President	2.00	Officer	$0	$0	$0
Michael Harleman	Director	1.00	Director	$0	$0	$0
Bernard Shea	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
2020	$27,231	$9,097	$16,839	$18,134
2019	$5,151	$8,905	$15,110	$-3,754
2018	$11,161	$9,775	$22,994	$1,386

Palmerton Area Chamber of Commerce