MOUNTAIN LAUREL 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

2008

Legal Domicile

Principal Officer

STEFANIE L CRAMER

Phone

7245938900

Tax Period

2024-01-01 to 2024-12-31

MOUNTAIN LAUREL CHAMBER OF COMMERCE, founded in 2008, is a small nonprofit in the Community Improvement sector that reported $182K in total revenue in fiscal year 2024. Expenses of $169K left a modest 7% surplus.

Mission

ENHANCEMENT OF AREA BUSINESS & TOURISM

Program Service Accomplishments

Program 1

PRINTED A LOCAL MAIL FLYER OF ADVERISTMENTS & ANNOUNCMENTS PROMOTING LOCAL BUSINESS 7800 PEOPLE RECEIVING FLYER

Program 2

ELEMENTARY SCHOOL STUDENT OF THE MONTH 9 ELEMENTARY STUDENTS RECIVED $100 SAVINGS BOND AND PLAQUE

Program 3

DESIGNED AND DISTRIBUTED 7800 MEMBERSHIP DIRECTORIES DESIGNED TO PASS OUT TO LOCAL RESIDENCE AND VISITORS ENTERING THE LAUREL HIGHS FOR LOCATIONS OF OUR MEMBERS BUSINESSES. DESIGNED AND DISTRIBUTED 10000 MEMBERSHIP DIRECTORIES TO BE DISTRIBUTED WITHIN THE LAUREL HIGHLANDS REGION, TRI STATE WELCOME CENTERS & PA TURNPIKE 91 FOR TOURIST.

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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 (2024)

Revenue Breakdown

Contributions & Grants $60,287

Program Service Revenue $119,810

Investment Income $2,232

Other Revenue $0

TOTAL REVENUE $182,329

Expense Breakdown

Grants Paid $0

Salaries & Benefits $38,995

Fundraising Expenses $17,202

Other Expenses $130,252

TOTAL EXPENSES $169,247

Year-over-Year Comparison

	2024	2023	Change
Revenue	$182,329	$176,605	+0.0%
Expenses	$169,247	$166,897	+0.0%
Net Income	$13,082	$9,708	+0.3%

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

Total Directors

Key Employees

$34,798

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEANNA RICHTER	PRESIDENT	3.00	Officer	$0	$0	$0
STEFANIE CRAMER	EXECUTIVE DIRECTOR	28.00	Key Emp	$34,798	$0	$34,798
MATT DUMBAULD	VICE PRESIDENT	0.50	Officer	$0	$0	$0
JOSH CROWE	TREASURER	0.50	Officer	$0	$0	$0
JULIANNE BROWN	SECRETARY	0.50	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
2024	$182,329	$169,247	$78,462	$13,082
2023	$176,605	$166,897	$65,089	$9,708
2022	$157,270	$149,900	$56,225	$7,370
2021	$138,679	$131,854	$49,496	$6,825
2020	$100,235	$90,638	$41,185	$9,597
2019	$148,383	$139,089	$32,921	$9,294
2018	$141,159	$135,821	$23,613	$5,338