GREATER ROYAL OAK CHAMBER OF COMMERCE (EIN 381200435) - 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

1936

Legal Domicile

Principal Officer

CHRISTINE CHUBENKO

Phone

2485474000

Tax Period

2025-01-01 to 2025-12-31

GREATER ROYAL OAK CHAMBER OF COMMERCE, founded in 1936, is a small nonprofit that reported $382K in total revenue in fiscal year 2025. Expenses of $346K left a modest 9% surplus.

Mission

DEDICATED TO BRINGING BUSINESS PERSONS, CIVIC GROUPS, LOCAL GOVERNMENT AND CITIZENS TOGETHER TO ADVANCE THE ECONOMIC, PROFESSIONAL, CULTURAL AND CIVIC WELFARE OF THE COMMUNITY.

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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 $0

Program Service Revenue $202,533

Investment Income $1,978

Other Revenue $177,342

TOTAL REVENUE $381,853

Expense Breakdown

Grants Paid $0

Salaries & Benefits $264,760

Fundraising Expenses $0

Other Expenses $81,164

TOTAL EXPENSES $345,924

Year-over-Year Comparison

	2025	2024	Change
Revenue	$381,853	$354,218	+0.1%
Expenses	$345,924	$415,080	-0.2%
Net Income	$35,929	$-60,862	-1.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHUBENKO CHRISTINE	DIRECTOR, CHAIRPERSON	5.00	Officer Director	$0	$0	$0
EDDELSTON JASON	DIRECTOR	1.50	Director	$0	$0	$0
NADOLSKI MICHAEL	DIRECTOR	1.50	Director	$0	$0	$0
PAVKOVICH LINDSAY	DIRECTOR	1.50	Director	$0	$0	$0
PLAMPER JILL	DIRECTOR, SECRETARY	3.00	Officer Director	$0	$0	$0
CAREY DANIEL	DIRECTOR	1.50	Director	$0	$0	$0
SIAGKRIS-SEYMOUR JULI	DIRECTOR, VICE-CHAIR	1.50	Officer Director	$0	$0	$0
WOODY ERIC	DIRECTOR, TREASURER	1.50	Officer Director	$0	$0	$0
YEZBICK TONY	DIRECTOR	1.50	Director	$0	$0	$0
BURNS JORNDAN	DIRECTOR	3.00	Director	$0	$0	$0
KNOER KATY	DIRECTOR	1.50	Director	$0	$0	$0
KEMP SHELLY	PRESIDENT	40.00	Highest	$110,540	$0	$110,540

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	$381,853	$345,924	$345,548	$35,929
2024	$354,218	$415,080	$312,995	$-60,862
2023	$278,252	$352,102	$378,126	$-73,850
2022	$318,835	$307,204	$481,440	$11,631
2021	$296,913	$275,671	$460,051	$21,242
2020	$235,825	$238,020	$462,003	$-2,195
2019	$281,810	$306,227	$338,618	$-24,417
2018	$276,384	$297,895	$378,217	$-21,511

GREATER ROYAL OAK CHAMBER OF COMMERCE