LBI CHAMBER OF COMMERCE

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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

2013

Legal Domicile

Principal Officer

DAN MALAY

Phone

6099788600

Tax Period

2025-01-01 to 2025-12-31

LBI CHAMBER OF COMMERCE, founded in 2013, is a small nonprofit in the Mutual Benefit sector that reported $178K in total revenue in fiscal year 2025. Revenue decreased 5% compared to the prior year.

Mission

TO PROMOTE AND STIMULATE COMMERCE AND TOURISM ON LONG BEACH ISLAND, NJ THROUGH THE DEPLOYMENT OF STRATEGIC MARKETING ENDEAVORS.

Program Service Accomplishments

Program 1

TARGETED MARKETING IN VARIOUS FORMATS AND PROVIDE FINANCIAL SUPPORT FOR PRIVATE CHARITABLE AND CIVIC INITIATIVES DESIGNED TO ENHANCE LIFE ON LONG BEACH ISLAND, NJ.

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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 $178,041

Investment Income $0

Other Revenue $0

TOTAL REVENUE $178,041

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $177,814

Other Expenses $183,608

TOTAL EXPENSES $183,608

Year-over-Year Comparison

	2025	2024	Change
Revenue	$178,041	$188,200	-0.1%
Expenses	$183,608	$181,408	+0.0%
Net Income	$-5,567	$6,792	-1.8%

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	Role	Reportable Comp	Other Comp	Total
KEVIN BERGIN	President	Officer	$0	$0	$0
DAVID WYRSCH JR	Secretary	Officer	$0	$0	$0
DAN MALAY	Treasurer	Officer	$0	$0	$0
BRIAN WAINWRIGHT	Vice President	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	$178,041	$183,608	$16,898	$-5,567
2024	No data	No data	No data	No data
2023	$154,617	$170,959	$15,673	$-16,342
2022	$196,775	$185,546	$32,015	$11,229
2021	$190,202	$179,682	$20,786	$10,520
2020	$176,519	$179,311	$10,266	$-2,792
2019	$208,637	$212,389	$13,649	$-3,752