THREE RIVERS AREA CHAMBER OF COMMERCE (EIN 381256372) - 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

1945

Legal Domicile

Principal Officer

BARRY MILLER

Phone

2692788193

Tax Period

2023-10-01 to 2024-09-30

THREE RIVERS AREA CHAMBER OF COMMERCE, founded in 1945, is a small nonprofit that reported $205K in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year.

Mission

THE MISSION OF THE THREE RIVERS AREA CHAMBER OF COMMERCE IS TO PROMOTE, ENGAGE AND ENHANCE BUSINESS THROUGHOUT THE THREE RIVERS 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 (2023)

Revenue Breakdown

Contributions & Grants $63,599

Program Service Revenue $123,835

Investment Income $1,851

Other Revenue $16,056

TOTAL REVENUE $205,341

Expense Breakdown

Grants Paid $0

Salaries & Benefits $93,869

Fundraising Expenses $0

Program Expenses $210,764

Other Expenses $116,897

TOTAL EXPENSES $210,766

Year-over-Year Comparison

	2023	2022	Change
Revenue	$205,341	$227,924	-0.1%
Expenses	$210,766	$191,388	+0.1%
Net Income	$-5,425	$36,536	-1.1%

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
TERESA BELOTE	DIRECTOR	1.00	Director	$0	$0	$0
JOE BIPPUS	DIRECTOR	1.00	Director	$0	$0	$0
ADAM CLOUTIER	DIRECTOR	1.00	Director	$0	$0	$0
TERESA CUPP	DIRECTOR	1.00	Director	$0	$0	$0
TERESA CYTLAK	DIRECTOR	1.00	Director	$0	$0	$0
LISA GIBAS	DIRECTOR	1.00	Director	$0	$0	$0
MARK HONEYSETT	DIRECTOR	1.00	Director	$0	$0	$0
KRISTEN MCENROE	DIRECTOR	1.00	Director	$0	$0	$0
STEVE MILLER	DIRECTOR	1.00	Director	$0	$0	$0
GREG MOORE	DIRECTOR	1.00	Director	$0	$0	$0
NIKKI NASH	DIRECTOR	1.00	Director	$0	$0	$0
LYNN PAGE	DIRECTOR	1.00	Director	$0	$0	$0
REX SCARE	DIRECTOR	1.00	Director	$0	$0	$0
JIM SUTTON	DIRECTOR	1.00	Director	$0	$0	$0
MELISSA BARLOW	TREASURER	1.00	Officer	$0	$0	$0
MARIA BEHR	SECOND VICE	1.00	Officer	$0	$0	$0
BARRY MILLER	CHAIRMAN	1.00	Officer	$0	$0	$0
JOHN SCHRAGG	FIRST VICE-C	1.00	Officer	$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	$205,341	$210,766	$137,993	$-5,425
2023	$227,924	$191,388	$145,496	$36,536
2022	$219,159	$193,076	$103,441	$26,083
2021	$192,199	$175,464	$79,585	$16,735
2020	$131,617	$133,372	$63,866	$-1,755
2019	$160,756	$173,827	$66,526	$-13,071

THREE RIVERS AREA CHAMBER OF COMMERCE