ST CLAIRSVILLE CHAMBER OF COMMERCE (EIN 341438615) - 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

1983

Legal Domicile

Principal Officer

LISA KINDLER

Phone

7406959623

Tax Period

2025-01-01 to 2025-12-31

ST CLAIRSVILLE CHAMBER OF COMMERCE, founded in 1983, is a small nonprofit that reported $178K in total revenue in fiscal year 2025. Revenue decreased 13% compared to the prior year. Expenses of $210K exceeded revenue, resulting in a 18% operating deficit.

Mission

PROMOTION OF BUSINESS DEVELOPMENT AND NETWORKING OF BUSINESS PROFESSIONALS IN THE SAINT CLAIRSVILLE, OHIO AREA.

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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 (2025)

Revenue Breakdown

Contributions & Grants $60,669

Program Service Revenue $116,865

Investment Income $692

Other Revenue $0

TOTAL REVENUE $178,226

Expense Breakdown

Grants Paid $0

Salaries & Benefits $80,476

Fundraising Expenses $0

Program Expenses $119,997

Other Expenses $129,892

TOTAL EXPENSES $210,368

Year-over-Year Comparison

	2025	2024	Change
Revenue	$178,226	$204,765	-0.1%
Expenses	$210,368	$218,046	0.0%
Net Income	$-32,142	$-13,281	+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

150

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

$70,148

Total Directors

$70,148

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAM MCKIM	DIRECTOR	2.00	Director	$0	$0	$0
SARAH BARICKMAN	DIRECTOR	2.00	Director	$0	$0	$0
CORY DELGUZZO	DIRECTOR	2.00	Director	$0	$0	$0
ERIN GEORGE	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL GOCLAN	DIRECTOR	2.00	Director	$0	$0	$0
ANDREA MERRIMAN	DIRECTOR	2.00	Director	$0	$0	$0
MARY BETH PANEPUCCI	PRESIDENT	4.00	Officer Director	$0	$0	$0
JIMMY PAYNE	DIRECTOR	2.00	Director	$0	$0	$0
CRYSTAL PIETRANTON	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
PEGGY RICCADONNA	DIRECTOR	2.00	Director	$0	$0	$0
LISA KINDLER	EXECUTIVE DIRECTOR	40.00	Officer Director	$42,687	$0	$42,687
JEREMEY VITTEK	DIRECTOR	2.00	Director	$0	$0	$0
JUSTIN KLEMPA	DIRECTOR	2.00	Director	$0	$0	$0
LAURIE LABISHAK	DIRECTOR	2.00	Director	$0	$0	$0
NATHAN BUTTS	DIRECTOR	2.00	Director	$0	$0	$0
RICK RICCADONNA	DIRECTOR	2.00	Director	$0	$0	$0
SARA WALLER	DIRECTOR	2.00	Director	$0	$0	$0
STEPHANIE DVORAK	DIRECTOR	2.00	Director	$0	$0	$0
WENDY ANDERSON	FORMER EXECUTIVE DIRECTOR	40.00	Officer Director	$27,461	$0	$27,461

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	$178,226	$210,368	$65,914	$-32,142
2024	No data	No data	No data	No data

ST CLAIRSVILLE CHAMBER OF COMMERCE