MECHANICSBURG MERCH & BUS ASSOC DBA MECHANICSBURG CHAMBER OF COMMERCE (EIN 251703274) - 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

1927

Legal Domicile

Principal Officer

DALE FLOR

Phone

7177960811

Tax Period

2024-01-01 to 2024-12-31

MECHANICSBURG MERCH & BUS ASSOC DBA MECHANICSBURG CHAMBER OF COMMERCE, founded in 1927, is a small nonprofit that reported $133K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. The organization ran a surplus of $25K, a strong 19% operating margin.

Mission

TO PROMOTE THE COMMERCIAL AND COMMUNITY INTERESTS OF MECHANICSBURG, PENNSYLVANIA AND ITS ENVIRONS.

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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 $17,507

Program Service Revenue $36,494

Investment Income $9,079

Other Revenue $70,313

TOTAL REVENUE $133,393

Expense Breakdown

Grants Paid $0

Salaries & Benefits $71,467

Fundraising Expenses $0

Program Expenses $108,186

Other Expenses $36,719

TOTAL EXPENSES $108,186

Year-over-Year Comparison

	2024	2023	Change
Revenue	$133,393	$119,105	+0.1%
Expenses	$108,186	$123,474	-0.1%
Net Income	$25,207	$-4,369	-6.8%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEREMY FREELAND	IMMEDIATE PAST PRESIDENT	1.00	Director	$0	$0	$0
MARY KUNA	PRESIDENT	1.00	Officer Director	$0	$0	$0
KAREN TRYNOSKI	SECRETARY	1.00	Officer Director	$0	$0	$0
DALE FLOR	TREASURER	1.00	Officer Director	$0	$0	$0
MELISSA HILER	MEMBER	1.00	Director	$0	$0	$0
LAUREL SPAGNOLO	MEMBER	1.00	Director	$0	$0	$0
STEVE HYNES	MEMBER	1.00	Director	$0	$0	$0
JEFF WEST	MEMBER	1.00	Director	$0	$0	$0
DENNIS MAHAFFEY	MEMBER	1.00	Director	$0	$0	$0
KATEE BROWN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
NOAH SNYDER	MEMBER	1.00	Director	$0	$0	$0
GREG VERBOSKY	MEMBER	1.00	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	$133,393	$108,186	$169,801	$25,207
2023	$119,105	$123,474	$148,855	$-4,369
2022	$95,276	$129,499	$150,977	$-34,223
2021	$74,482	$119,812	$205,126	$-45,330
2020	$83,066	$109,843	$247,280	$-26,777
2019	$138,778	$136,628	$170,871	$2,150

MECHANICSBURG MERCH & BUS ASSOC DBA MECHANICSBURG CHAMBER OF COMMERCE