PORT CLINTON AREA CHAMBER OF COMMERCE (EIN 340931619) - 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

1976

Legal Domicile

Phone

4197345503

Tax Period

2024-04-01 to 2025-03-31

PORT CLINTON AREA CHAMBER OF COMMERCE, founded in 1976, is a small nonprofit that reported $261K in total revenue in fiscal year 2024. Revenue surged 32% from the prior year, signaling strong growth momentum. Expenses of $234K left a modest 10% surplus.

Mission

PROMOTION OF BUSINESS GROWTH AND 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 $10,000

Program Service Revenue $185,421

Investment Income $1

Other Revenue $65,152

TOTAL REVENUE $260,574

Expense Breakdown

Grants Paid $0

Salaries & Benefits $119,053

Fundraising Expenses $0

Other Expenses $115,333

TOTAL EXPENSES $234,386

Year-over-Year Comparison

	2024	2023	Change
Revenue	$260,574	$196,804	+0.3%
Expenses	$234,386	$259,697	-0.1%
Net Income	$26,188	$-62,893	-1.4%

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

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

$76,036

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NICOLE KOCHENSPARGER	President	40.00	Officer	$76,036	$0	$76,036
MARGARET DREW	Trustee	1.00	Director	$0	$0	$0
CAROL MORGAN	Trustee	1.00	Director	$0	$0	$0
MATTHEW STOUFFER	Chairman	1.00	Officer Director	$0	$0	$0
KELLY FREIMARK	Past Chairman	1.00	Director	$0	$0	$0
MARK COPPELER	Trustee	1.00	Director	$0	$0	$0
ERIN LINEHAN	Treasurer	3.00	Officer Director	$0	$0	$0
JOHN STOOKEY	Trustee	1.00	Director	$0	$0	$0
CHRYSTAL PETERSEN	Trustee	1.00	Director	$0	$0	$0
AMBER GARDNER	Vice Chairman	1.00	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
2025	$260,574	$234,386	$159,685	$26,188
2024	$196,804	$259,697	$222,152	$-62,893
2023	$187,405	$208,797	$215,472	$-21,392
2022	$219,741	$184,050	$236,528	$35,691
2020	$174,636	$210,617	$181,236	$-35,981
2019	$187,263	$214,797	$218,209	$-27,534

PORT CLINTON AREA CHAMBER OF COMMERCE