AFRICAN AMERICAN CHAMBER OF COMMERCE OF WESTERN PA (EIN 251729192) - 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

1994

Legal Domicile

Principal Officer

BARATA A BEY

Tax Period

2023-10-01 to 2024-09-30

AFRICAN AMERICAN CHAMBER OF COMMERCE OF WESTERN PA, founded in 1994, is a small nonprofit in the Community Improvement sector that reported $231K in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $282K exceeded revenue, resulting in a 22% operating deficit.

Mission

SEE SCH O

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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 $138,532

Program Service Revenue $76,883

Investment Income $0

Other Revenue $15,863

TOTAL REVENUE $231,278

Expense Breakdown

Grants Paid $0

Salaries & Benefits $177,606

Fundraising Expenses $73,977

Program Expenses $143,411

Other Expenses $104,042

TOTAL EXPENSES $281,648

Year-over-Year Comparison

	2023	2022	Change
Revenue	$231,278	$208,739	+0.1%
Expenses	$281,648	$213,151	+0.3%
Net Income	$-50,370	$-4,412	+10.4%

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

N/A

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

$347,396

Total Directors

$171,146

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARATA A BEY	PRESIDENT	0.00	Officer	$48,062	$16,042	$176,250
DORIS CARSON WILLIAMS	CEO	8.00	Officer Director	$45,884	$18,200	$171,146
HOWARD GRAVES Jr	DIRECTOR	2.00	Director	$0	$0	$0
HOLLY A DOUGLAS	DIRECTOR	2.00	Director	$0	$0	$0
DANIELLE HOWARD	DIRECTOR	2.00	Director	$0	$0	$0
DERRICK WILSON	DIRECTOR	0.00	Director	$0	$0	$0
SURESH RAMANATHAN	DIRECTOR	2.00	Director	$0	$0	$0
RHONDA CARSON LEACH	DIRECTOR	2.00	Director	$0	$0	$0
CASTER BINION	DIRECTOR	2.00	Director	$0	$0	$0
BLAYRE BRITTON	DIRECTOR	2.00	Director	$0	$0	$0
LOUIS T ALEXANDER	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
SAMUEL J STEPHENSON	CHAIRMAN	4.00	Officer Director	$0	$0	$0
ANN RUCKER	SECRETARY	2.00	Officer Director	$0	$0	$0
CHERYL ALLEN	TREASURER	2.00	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	$231,278	$281,648	$1,703,067	$-50,370
2023	$208,739	$213,151	$1,349,101	$-4,412
2022	$147,139	$218,889	$501,423	$-71,750
2021	$79,938	$204,840	$871,863	$-124,902
2020	$195,698	$233,044	$1,046,192	$-37,346
2019	$230,196	$156,458	$1,079,809	$73,738
2018	$199,504	$176,536	$1,006,140	$22,968

AFRICAN AMERICAN CHAMBER OF COMMERCE OF WESTERN PA