GREATER SUSQUEHANNA VALLEY CHAMBER OF COMMERCE (EIN 240737000) - 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

1921

Legal Domicile

Principal Officer

ROBERT GARRETT

Phone

5707434100

Tax Period

2023-01-01 to 2023-12-31

GREATER SUSQUEHANNA VALLEY CHAMBER OF COMMERCE, founded in 1921, is a small nonprofit that reported $949K in total revenue in fiscal year 2023. Revenue surged 77% from the prior year, signaling strong growth momentum.

Mission

THE GREATER SUSQUEHANNA VALLEY CHAMBER OF COMMERCE ADVANCES THE PROSPERITY OF IT'S COMMUNITIES, COMMERCE, CULTURE, FELLOW CITIZENS, AND THEIR BUSINESSES IN IT'S REGION THROUGH THE LEADERSHIP OF IT'S MEMBERS. THE CHAMBER ENGAGES IT'S MEMBERS TO SERVE AS AN ENGINE OF GROWTH THAT DRIVES THE REGIONS JOBS, BUSINESSES AND OPPORTUNITIES THROUGH ECONOMIC DEVELOPMENT, COLLABORATIVE PARTNERING, STRATEGIC TECHNOLOGY, AND RESOURCE TRAINING.

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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 $471,902

Program Service Revenue $434,217

Investment Income $0

Other Revenue $43,199

TOTAL REVENUE $949,318

Expense Breakdown

Grants Paid $471,902

Salaries & Benefits $272,049

Fundraising Expenses $32,423

Program Expenses $727,357

Other Expenses $196,185

TOTAL EXPENSES $940,136

Year-over-Year Comparison

	2023	2022	Change
Revenue	$949,318	$535,745	+0.8%
Expenses	$940,136	$441,033	+1.1%
Net Income	$9,182	$94,712	-0.9%

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
AIMEE BUEHNER	BOARD CHAIR	1.44	Officer Director	$0	$0	$0
MALCOLM DERK	EXECUTIVE BO	1.15	Officer Director	$0	$0	$0
PHILLIP DEROSE	VICE PRESIDE	1.15	Officer Director	$0	$0	$0
CHAD EVANS	BOARD MEMBER	0.96	Director	$0	$0	$0
ROBERT GARRETT	BOARD SECRET	1.44	Officer Director	$0	$0	$0
SAM HAULMAN	VICE PRESIDE	1.15	Officer Director	$0	$0	$0
BEAU HOFFMAN	BOARD MEMBER	0.96	Director	$0	$0	$0
GENE WELSH III	VICE PRESIDE	1.15	Officer Director	$0	$0	$0
JOHN KURELJA	BOARD MEMBER	0.96	Director	$0	$0	$0
RYAN MCNALLY	BOARD MEMBER	0.96	Director	$0	$0	$0
JEFF REBER	BOARD VICE C	1.15	Officer Director	$0	$0	$0
RACHEL SMITH	BOARD MEMBER	0.96	Director	$0	$0	$0
SARA SNYDER	BOARD MEMBER	0.96	Director	$0	$0	$0
STEVE STUMBRIS	BOARD MEMBER	0.96	Director	$0	$0	$0
LESLIE TEMPLE	VICE PRESIDE	1.15	Officer Director	$0	$0	$0
ART THOMAS	IMMEDIATE CH	1.15	Officer Director	$0	$0	$0
ROGER VANBAAREN	BOARD MEMBER	0.96	Director	$0	$0	$0
GREG ZEH	TREASURER/VI	1.44	Officer 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
2024	No data	No data	No data	No data
2023	$949,318	$940,136	$978,608	$9,182
2022	$535,745	$441,033	$945,960	$94,712
2021	$486,570	$488,793	$915,764	$-2,223
2020	$468,319	$424,940	$984,269	$43,379
2019	$519,544	$542,797	$994,859	$-23,253
2018	$470,424	$490,271	$929,097	$-19,847

GREATER SUSQUEHANNA VALLEY CHAMBER OF COMMERCE