AFRICAN -AMERICAN CHAMBER OF COMMERCE OF PA (EIN 232740204) - 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

1994

Legal Domicile

Principal Officer

STEVEN BRADLEY

Phone

2157519501

Tax Period

2023-07-01 to 2024-06-30

AFRICAN -AMERICAN CHAMBER OF COMMERCE OF PA, founded in 1994, is a community nonprofit that reported $1.3M in total revenue in fiscal year 2023. Revenue surged 35% from the prior year, signaling strong growth momentum. The organization ran a surplus of $199K, a strong 15% operating margin.

Mission

TO PROVIDE SUBSTANTIVE SUPPORT IN ADVOCATING, DEVELOPING, AND PROMOTING BLACK-OWNED BUSINESS IN BOTH PUBLIC AND PRIVATE SECTOR FORUMS. THE AACOC PROMOTES THE VISION, THE VOICE, AND THE VALUE OF BLACK BUSINESS OWNERSHIP IN THE DELAWARE VALLEY.

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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 $1,150,911

Program Service Revenue $177,651

Investment Income $0

Other Revenue $0

TOTAL REVENUE $1,328,562

Expense Breakdown

Grants Paid $0

Salaries & Benefits $450,877

Fundraising Expenses $0

Program Expenses $1,039,550

Other Expenses $678,358

TOTAL EXPENSES $1,129,235

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,328,562	$980,958	+0.4%
Expenses	$1,129,235	$996,322	+0.1%
Net Income	$199,327	$-15,364	-14.0%

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

$129,937

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REGINA HAIRSTON	PRESIDENT	040.00	Officer Highest	$129,937	$0	$129,937
RENEE CARDWELL-HUGHES	BOARD MEMBER	001.00	Director	$0	$0	$0
RICHARD COTTOM	BOARD MEMBER	001.00	Director	$0	$0	$0
DAIVY DAMBREVILLE	SECRETARY	001.00	Director	$0	$0	$0
RON DAVIS	BOARD MEMBER	001.00	Director	$0	$0	$0
RON DUTTON	BOARD MEMBER	001.00	Director	$0	$0	$0
BRIAN EDMONDS	BOARD MEMBER	001.00	Director	$0	$0	$0
TUMMONA FISHER	BOARD MEMBER	001.00	Director	$0	$0	$0
MARIA FRIZELLE-ROBERTS	BOARD MEMBER	001.00	Director	$0	$0	$0
JOVAN GOLDSTEIN	CHAIR	001.00	Director	$0	$0	$0
BJORN HENRIQUES	VICE CHAIR	001.00	Director	$0	$0	$0
JEFF HORNSTEIN	BOARD MEMBER	001.00	Director	$0	$0	$0
MALCOLM INGRAM	BOARD MEMBER	001.00	Director	$0	$0	$0
KRYSTAL JONES	TREASURER	001.00	Director	$0	$0	$0
ROSALIND LEE	BOARD MEMBER	001.00	Director	$0	$0	$0
KAREN LEWIS	BOARD MEMBER	001.00	Director	$0	$0	$0
VERNICE LEWIS	BOARD MEMBER	001.00	Director	$0	$0	$0
ROMAN MCDONALD	BOARD MEMBER	001.00	Director	$0	$0	$0
KRISHNA NARINE	BOARD MEMBER	001.00	Director	$0	$0	$0
TONY PAYTON JR	BOARD MEMBER	001.00	Director	$0	$0	$0
KENN PENN	BOARD MEMBER	001.00	Director	$0	$0	$0
JAMES SANDERS	BOARD MEMBER	001.00	Director	$0	$0	$0
KENNETH SCOTT	BOARD MEMBER	001.00	Director	$0	$0	$0
STEVEN SCOTT BRADLEY	BOARD MEMBER	001.00	Director	$0	$0	$0
MELONEASE SHAW	BOARD MEMBER	001.00	Director	$0	$0	$0
GARY SHEPHERD	BOARD MEMBER	001.00	Director	$0	$0	$0
LOWELL THOMAS	BOARD MEMBER	001.00	Director	$0	$0	$0
RITA TOLIVER-ROBERTS	BOARD MEMBER	001.00	Director	$0	$0	$0
STOKLEY TOMLINSON	BOARD MEMBER	001.00	Director	$0	$0	$0
ANDREW COOMBS	BOARD MEMBER	001.00	Director	$0	$0	$0
DIMITRIA DAVENPORT	BOARD MEMBER	001.00	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	No data	No data	No data	No data
2024	$1,328,562	$1,129,235	$970,374	$199,327
2023	$610,869	$426,918	$395,258	$183,951
2022	$610,869	$426,918	$341,762	$183,951
2020	$329,130	$339,191	$62,294	$-10,061
2019	$491,690	$437,339	$124,794	$54,351
2018	$420,160	$402,456	$106,723	$17,704

AFRICAN -AMERICAN CHAMBER OF COMMERCE OF PA