THE CHAMBER OF THE NORTHERN POCONOS

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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

2014

Legal Domicile

Principal Officer

BECKY RYMAN

Phone

5702531960

Tax Period

2025-01-01 to 2025-12-31

THE CHAMBER OF THE NORTHERN POCONOS, founded in 2014, is a small nonprofit in the Community Improvement sector that reported $361K in total revenue in fiscal year 2025. Expenses of $403K exceeded revenue, resulting in a 12% operating deficit.

Mission

THE ORGANIZATION IS ORGANIZED TO PROMOTE ECONOMIC GROWTH FOR BUSINESSES IN WAYNE AND PIKE PENNSYLVANIA COUNTIES AND THE LAKE REGION.

Program Service Accomplishments

Program 1

THE ORGANIZATION ACTIVITIES INCLUDE MEMBERSHIP, COMMUNITY PROMOTIONAL PROGRAMS AND ACTIVITIES. VISTOR CENTER AND RELATED ACTIVITIES ACCOMODATE TOURISTS AND LOCAL CITIZENS TO PROMOTE TOURISM.

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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 $170,328

Program Service Revenue $183,459

Investment Income $113

Other Revenue $7,299

TOTAL REVENUE $361,199

Expense Breakdown

Grants Paid $0

Salaries & Benefits $249,643

Fundraising Expenses $0

Other Expenses $153,572

TOTAL EXPENSES $403,215

Year-over-Year Comparison

	2025	2024	Change
Revenue	$361,199	$359,108	+0.0%
Expenses	$403,215	$362,675	+0.1%
Net Income	$-42,016	$-3,567	+10.8%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER STACKHOUSE	1ST VICE CHA	N/A	Officer	$0	$0	$0
BECKY RYMAN	TREASURER	N/A	Officer	$0	$0	$0
JOE REGENSKI	PAST CHAIRPE	N/A	Officer	$0	$0	$0
KELLYN WILLIAMS PHD	CHAIRPERSON	N/A	Officer	$0	$0	$0
RYAN EHRHARDT	2ND VICE CHA	N/A	Officer	$0	$0	$0
MARGARET ALLEN	DIRECTOR	N/A	Director	$0	$0	$0
BRIAN CHAPMAN	DIRECTOR	N/A	Director	$0	$0	$0
BRENDAN ELLIS	DIRECTOR	N/A	Officer Director	$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	$361,199	$403,215	$410,180	$-42,016
2024	$359,108	$362,675	$454,125	$-3,567
2023	$316,126	$343,059	$457,184	$-26,933
2022	$325,821	$288,431	$483,307	$37,390
2021	$318,095	$312,473	$447,242	$5,622
2020	$323,887	$274,425	$443,980	$49,462
2019	$282,438	$286,803	$391,775	$-4,365
2018	$276,428	$261,968	$398,240	$14,460