Saline Area Chamber of Commerce (EIN 382533576) - 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

1980

Legal Domicile

Principal Officer

Molly Luempert-Coy

Phone

7344294494

Tax Period

2024-01-01 to 2024-12-31

Saline Area Chamber of Commerce, founded in 1980, is a small nonprofit that reported $217K in total revenue in fiscal year 2024. Revenue surged 43% from the prior year, signaling strong growth momentum. Expenses of $187K left a modest 14% surplus.

Mission

To be the most valuable resource and leading advocate for business to enhance the economic vitality and quality of life in the City of Saline and adjacent five townships.

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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 $0

Program Service Revenue $216,465

Investment Income $353

Other Revenue $0

TOTAL REVENUE $216,818

Expense Breakdown

Grants Paid $0

Salaries & Benefits $105,194

Fundraising Expenses $0

Other Expenses $82,038

TOTAL EXPENSES $187,232

Year-over-Year Comparison

	2024	2023	Change
Revenue	$216,818	$151,804	+0.4%
Expenses	$187,232	$215,671	-0.1%
Net Income	$29,586	$-63,867	-1.5%

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

N/A

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

$75,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jayne Tharp	Vice President	10.00	Officer	$0	$0	$0
Steve Dobrovich	Treasurer	10.00	Officer	$0	$0	$0
Jeff Fordeck	Secretary	10.00	Officer	$0	$0	$0
Molly Luempert-Coy	President	10.00	Officer	$0	$0	$0
Michelle Dugan	Executive Director	10.00	Officer	$75,000	$0	$75,000

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
2024	$216,818	$187,232	$49,196	$29,586

Saline Area Chamber of Commerce