ST MARY'S COUNTY CHAMBER OF COMMERCE INC (EIN 237226106) - 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

1974

Legal Domicile

Principal Officer

RYAN SCHLOTTERBECK

Phone

3017373001

Tax Period

2024-07-01 to 2025-06-30

ST MARY'S COUNTY CHAMBER OF COMMERCE INC, founded in 1974, is a small nonprofit that reported $280K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year. Expenses of $263K left a modest 6% surplus.

Mission

THE CHAMBER ENCOURAGES BUSINESS AND INDUSTRIAL INVESTMENT IN THE COMMUNITY, SUPPORTS EDUCATION AT ALL LEVELS, PROMOTES LOCAL TOURISM, AND STRIVES TOWARD THE CREATION OF MORE JOBS IN ST. MARY'S COUNTY.

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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 $109,435

Program Service Revenue $99,459

Investment Income $3,194

Other Revenue $67,890

TOTAL REVENUE $279,978

Expense Breakdown

Grants Paid $0

Salaries & Benefits $168,567

Fundraising Expenses $0

Program Expenses $51,259

Other Expenses $94,396

TOTAL EXPENSES $262,963

Year-over-Year Comparison

	2024	2023	Change
Revenue	$279,978	$302,892	-0.1%
Expenses	$262,963	$312,504	-0.2%
Net Income	$17,015	$-9,612	-2.8%

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

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

$97,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINE L BERGMARK	PRESIDENT, C	40.00	Officer	$97,000	$0	$97,000
ERIN BURCH	TREASURER	2.00	Officer Director	$0	$0	$0
DAVE DAVISON	2ND VICE CHA	2.00	Officer Director	$0	$0	$0
AMY DICKINSON	BOARD MEMBER	2.00	Director	$0	$0	$0
GEORGE FRANZ	BOARD MEMBER	2.00	Director	$0	$0	$0
ERIC GOLDEN	BOARD MEMBER	2.00	Director	$0	$0	$0
PATRICK HALEY	IMMEDIATE PA	2.00	Officer Director	$0	$0	$0
JIMMY HAYDEN	CHAIR	2.00	Officer Director	$0	$0	$0
TOM JARBOE	BOARD MEMBER	2.00	Director	$0	$0	$0
JIM MORAN	BOARD MEMBER	2.00	Director	$0	$0	$0
MIMI NOVELLO	BOARD MEMBER	2.00	Director	$0	$0	$0
RYAN SCHLOTTERBECK	1ST VICE CHA	2.00	Officer Director	$0	$0	$0
AMY SCOTT	BOARD MEMBER	2.00	Director	$0	$0	$0
GORDAN STELLWAY	BOARD MEMBER	2.00	Director	$0	$0	$0
DUSTIN WHITTLES	BOARD MEMBER	2.00	Director	$0	$0	$0
SAM WIEST	BOARD MEMBER	2.00	Director	$0	$0	$0
AMANDA WOOD	BOARD MEMBER	2.00	Director	$0	$0	$0
MARSHA WILLIAMS	BOARD MEMBER	2.00	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
2025	$279,978	$262,963	$143,427	$17,015
2024	$302,892	$312,504	$141,514	$-9,612
2023	$226,023	$249,973	$144,088	$-23,950
2023	$209,682	$242,770	$144,088	$-33,088
2022	$222,541	$240,559	$170,420	$-18,018
2021	$152,346	$148,151	$216,484	$4,195
2020	$228,761	$241,180	$185,466	$-12,419
2019	$217,034	$271,865	$95,177	$-54,831
2018	$241,305	$243,527	$150,935	$-2,222

ST MARY'S COUNTY CHAMBER OF COMMERCE INC