MONMOUTH AREA CHAMBER OF COMMERCE (EIN 370425105) - 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

1912

Legal Domicile

Principal Officer

ANDREA MONROE

Phone

3097343181

Tax Period

2024-01-01 to 2024-12-31

MONMOUTH AREA CHAMBER OF COMMERCE, founded in 1912, is a small nonprofit that reported $131K in total revenue in fiscal year 2024.

Mission

CHAMBER OF COMMERCE

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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 $49,080

Program Service Revenue $77,570

Investment Income $136

Other Revenue $3,801

TOTAL REVENUE $130,587

Expense Breakdown

Grants Paid $0

Salaries & Benefits $81,171

Fundraising Expenses $0

Other Expenses $49,117

TOTAL EXPENSES $130,288

Year-over-Year Comparison

	2024	2023	Change
Revenue	$130,587	$128,155	+0.0%
Expenses	$130,288	$104,555	+0.2%
Net Income	$299	$23,600	-1.0%

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

$52,385

Total Directors

$52,385

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREA MONROE	EXEC DIRECTO	40.00	Officer Director	$52,385	$0	$52,385
MICHELE BIZZARI	PRESIDENT	N/A	Director	$0	$0	$0
SARA BOCKELMAN	TREASURER	N/A	Director	$0	$0	$0
KATY CARLSON	DIRECTOR	N/A	Director	$0	$0	$0
AMY FRIETAG	DIRECTOR	N/A	Director	$0	$0	$0
DOUG GIBB	DIRECTOR	N/A	Director	$0	$0	$0
CASEY GRANT	VICE PRESIDE	N/A	Director	$0	$0	$0
JAKE GREEN	DIRECTOR	N/A	Director	$0	$0	$0
BRYON ROBBINS	DIRECTOR	N/A	Director	$0	$0	$0
JENNA STANTON	DIRECTOR	N/A	Director	$0	$0	$0
JANE SWITZER	DIRECTOR	N/A	Director	$0	$0	$0
DILLAN VANCIL	DIRECTOR	N/A	Director	$0	$0	$0
ZACH VANCIL	DIRECTOR	N/A	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	No data	No data	No data	No data
2024	$130,587	$130,288	$84,609	$299
2023	$128,155	$104,555	$84,423	$23,600
2022	$123,164	$135,726	$62,447	$-12,562
2021	$125,662	$122,998	$76,000	$2,664
2020	$87,401	$121,285	$74,667	$-33,884
2019	$130,665	$138,003	$127,270	$-7,338
2018	$139,919	$131,097	$114,035	$8,822

MONMOUTH AREA CHAMBER OF COMMERCE