ST MARYS AREA 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

1984

Legal Domicile

Principal Officer

ANDREW MOHNEY

Phone

8147813804

Tax Period

2024-01-01 to 2024-12-31

ST MARYS AREA CHAMBER OF COMMERCE, founded in 1984, is a micro nonprofit that reported $94K in total revenue in fiscal year 2024. Revenue decreased 7% compared to the prior year. Expenses of $130K exceeded revenue, resulting in a 38% operating deficit.

Mission

THE SAINT MARYS CHAMBER OF COMMERCE IS COMMITTED TO SUPPORTING OUR BUSINESSES AND COMMUNITY BY FACILITATING THE INTERCHANGE OF INFORMATION AND RESOURCES FOR THE PROMOTION OF ECONOMIC DEVELOPMENT AND IMPROVED QUALITY OF LIFE IN SAINT MARYS AND THE SURROUNDING AREAS.

Program Service Accomplishments

Program 1

PROMOTE AND SUPPORT OUR BUSINESSES AND COMMUNITIES VIA THE PROMOTION OF ECONOMIC DEVELOPMENT

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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 $79,326

Investment Income $1,603

Other Revenue $13,200

TOTAL REVENUE $94,129

Expense Breakdown

Grants Paid $0

Salaries & Benefits $37,377

Fundraising Expenses $0

Other Expenses $92,916

TOTAL EXPENSES $130,293

Year-over-Year Comparison

	2024	2023	Change
Revenue	$94,129	$101,432	-0.1%
Expenses	$130,293	$146,172	-0.1%
Net Income	$-36,164	$-44,740	-0.2%

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

294

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER BISH	BOARD MEMBER	N/A	Director	$0	$0	$0
AMY CHERRY	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
NIKKI DELHUNTY	SECRETARY	N/A	Officer Director	$0	$0	$0
KIM FENICE	BOARD MEMBER	N/A	Director	$0	$0	$0
CORTNEY FRITZ	BOARD MEMBER	N/A	Director	$0	$0	$0
JODI GUISTO	BOARD MEMBER	N/A	Director	$0	$0	$0
BROOKE MEYER	TREASURER	N/A	Officer Director	$0	$0	$0
ANDREW MOHNEY	PRESIDENT	N/A	Officer Director	$0	$0	$0
LANCE MOHNEY	BOARD MEMBER	N/A	Director	$0	$0	$0
SAMANTHA WYKOFF	BOARD MEMBER	N/A	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	$94,129	$130,293	$246,459	$-36,164
2023	$101,432	$146,172	$258,020	$-44,740
2022	$114,633	$135,268	$290,409	$-20,635
2021	$136,482	$102,876	$292,315	$33,606
2020	$84,832	$74,540	$226,589	$10,292