The Delaware Small Business Chamber

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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

2011

Legal Domicile

Principal Officer

Robert Older

Phone

3024822120

Tax Period

2024-01-01 to 2024-12-31

The Delaware Small Business Chamber, founded in 2011, is a small nonprofit in the Community Improvement sector that reported $139K in total revenue in fiscal year 2024. The organization ran a surplus of $82K, a strong 59% operating margin.

Mission

The Delaware Small Business Chamber is an independent chamber of commerce dedicated to advocating for small business owners and providing crucial resources for new and young businesses. We focus on companies with 0 to 100 employees and those that support those businesses.

Program Service Accomplishments

Program 1

Expenses: $6,378

Annual Meeting and Blue Ribbon Awards Brunch

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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 $57,856

Program Service Revenue $8,831

Investment Income $72,049

Other Revenue $0

TOTAL REVENUE $138,736

Expense Breakdown

Grants Paid $0

Salaries & Benefits $56,751

Fundraising Expenses $0

Program Expenses $6,378

Other Expenses $0

TOTAL EXPENSES $56,751

Year-over-Year Comparison

	2024	2023	Change
Revenue	$138,736	$139,294	0.0%
Expenses	$56,751	N/A	N/A
Net Income	$81,985	$139,294	-0.4%

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

N/A

Independent Members

N/A

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

Total Directors

Key Employees

$36,000

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROBERT OLDER	President	45.00	Key Emp	$36,000	$0	$36,000

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	$138,736	$56,751	$87,893	$81,985
2023	$139,294	$83,776	No data	$55,518
2022	$115,594	$77,251	$72,377	$38,343