STOW-MUNROE FALLS CHAMBER OF COMMERCE INC (EIN 341356652) - 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

1982

Legal Domicile

Principal Officer

JENNIFER CORK

Phone

3306881579

Tax Period

2019-01-01 to 2019-12-31

STOW-MUNROE FALLS CHAMBER OF COMMERCE INC, founded in 1982, is a small nonprofit that reported $188K in total revenue in fiscal year 2019. Revenue decreased 12% compared to the prior year.

Mission

THE CHAMBER IS A VOLUNTARY MEMBERSHIP ORGANIZATION OF BUSINESSES, ORGANIZATIONS, CIVIC GROUPS, GOVERNMENT ENTITIES, AND INDIVIDUALS, WORKING TOGETHER TO SUPPORT ECONOMIC DEVELOPMENT AND QUALITY OF LIFE IN THE COMMUNITIES WE SERVE.

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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 (2019)

Revenue Breakdown

Contributions & Grants $10,210

Program Service Revenue $167,486

Investment Income $111

Other Revenue $10,693

TOTAL REVENUE $188,500

Expense Breakdown

Grants Paid $3,000

Salaries & Benefits $107,391

Fundraising Expenses $0

Other Expenses $73,687

TOTAL EXPENSES $184,078

Year-over-Year Comparison

	2019	2018	Change
Revenue	$188,500	$214,921	-0.1%
Expenses	$184,078	$231,557	-0.2%
Net Income	$4,422	$-16,636	-1.3%

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

$62,924

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DORIS STEWART	EXEC DIR, RE	40.00	Officer	$59,649	$0	$59,649
JENNIFER CORK	EXECUTIVE DI	40.00	Officer	$3,275	$0	$3,275
JAMES LABER	BOARD DIRECT	1.00	Director	$0	$0	$0
TOM LOEPP	BOARD DIRECT	1.00	Director	$0	$0	$0
LINDA NAHRSTEDT	SECRETARY	2.00	Officer Director	$0	$0	$0
TIM PORTER	PRESIDENT	2.00	Officer Director	$0	$0	$0
KATHY ROMITO	PAST PRESIDE	2.00	Officer Director	$0	$0	$0
DAVE SEGEN	BOARD DIRECT	1.00	Director	$0	$0	$0
RICHARD SPRUNGLE	BOARD DIRECT	1.00	Director	$0	$0	$0
TRACY STARNES	PRES ELECT/V	2.00	Officer Director	$0	$0	$0
TOM STEPHAN	BOARD DIRECT	1.00	Director	$0	$0	$0
WENDY SUPPLE	TREASURER	2.00	Officer Director	$0	$0	$0
LINDA SUTHERLAND	BOARD DIRECT	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
2019	$188,500	$184,078	$101,903	$4,422
2018	$214,921	$231,557	$100,637	$-16,636

STOW-MUNROE FALLS CHAMBER OF COMMERCE INC