MON VALLEY REGIONAL CHAMBER OF COMMERCE (EIN 250400390) - 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

1946

Legal Domicile

Phone

7244833507

Tax Period

2024-01-01 to 2024-12-31

MON VALLEY REGIONAL CHAMBER OF COMMERCE, founded in 1946, is a small nonprofit that reported $240K in total revenue in fiscal year 2024. Expenses of $228K left a modest 5% surplus.

Mission

PROMOTE LOCAL BUSINESS ACTIVITY

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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 $0

Program Service Revenue $53,792

Investment Income $8

Other Revenue $186,405

TOTAL REVENUE $240,205

Expense Breakdown

Grants Paid $0

Salaries & Benefits $82,500

Fundraising Expenses $0

Other Expenses $145,310

TOTAL EXPENSES $227,810

Year-over-Year Comparison

	2024	2023	Change
Revenue	$240,205	N/A	N/A
Expenses	$227,810	N/A	N/A
Net Income	$12,395	N/A	N/A

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

$55,894

Total Directors

$19,628

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LEANNA L SPADA	EXECUTIVE DIREC	40.00	Officer	$55,894	$0	$55,894
MELISSA TROMBLEY	EXEC ASSISTANT	22.00	Director	$19,628	$0	$19,628
RAY MOSCO	Secretary	2.00	Director	$0	$0	$0
JAMIE COLECCHI	Director	2.00	Director	$0	$0	$0
RACHEL ROTOLO	Director	2.00	Director	$0	$0	$0
KELLIE MCKEVITT	Director	2.00	Director	$0	$0	$0
LISA NEIL	Director	2.00	Director	$0	$0	$0
ALYSSA MENDOLA	Director	2.00	Director	$0	$0	$0
LAURA WILLIAMS	Director	2.00	Director	$0	$0	$0
DON GOOD	Director	2.00	Director	$0	$0	$0
DEB PUGLIA	Director	2.00	Director	$0	$0	$0
ASHLEY SEMAN	Director	2.00	Director	$0	$0	$0
JOAN RAKOSKY	Director	2.00	Director	$0	$0	$0
APRIL CACIA	Director	2.00	Director	$0	$0	$0
KEN WILTZ	Director	2.00	Director	$0	$0	$0
PHILLIP SPARACELLA	Director	2.00	Director	$0	$0	$0
CORINNE LABOON	EXECUTIVE COMM	2.00	Director	$0	$0	$0
ARMAND FERRARA	President	2.00	Officer	$0	$0	$0
RICHARD MUDRICK	Vice President	2.00	Officer	$0	$0	$0
DEBORAH FRANCE	Treasurer	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
2024	$240,205	$227,810	$360,668	$12,395

MON VALLEY REGIONAL CHAMBER OF COMMERCE