CENTRAL DE CHAMBER OF COMMERCE INC (EIN 510082741) - 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

1959

Legal Domicile

Principal Officer

DINA VENDETTI

Phone

3027347513

Tax Period

2024-07-01 to 2025-06-30

CENTRAL DE CHAMBER OF COMMERCE INC, founded in 1959, is a small nonprofit that reported $743K in total revenue in fiscal year 2024. Revenue decreased 5% compared to the prior year. Expenses of $865K exceeded revenue, resulting in a 16% operating deficit.

Mission

TO ADVANCE THE BALANCED ECONOMIC DEVELOPMENT OF CENTRAL DELAWARE BY PROMOTING CIVIC, INDUSTRIAL, COMMERCIAL, AGRI-BUSINESS AND SOCIAL INTERESTS OF THE COMMUNITY AND BY STRENGTHENING THE FREEDOM OF PRIVATE BUSINESSES TO OPERATE COMPETITIVELY FOR PROFIT WITH MINIMAL AND EFFICIENT GOVERNMENT REGULATIONS.

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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 $249,796

Program Service Revenue $477,954

Investment Income $10,777

Other Revenue $4,211

TOTAL REVENUE $742,738

Expense Breakdown

Grants Paid $0

Salaries & Benefits $489,579

Fundraising Expenses $73,871

Program Expenses $448,254

Other Expenses $375,228

TOTAL EXPENSES $864,807

Year-over-Year Comparison

	2024	2023	Change
Revenue	$742,738	$782,445	-0.1%
Expenses	$864,807	$821,094	+0.1%
Net Income	$-122,069	$-38,649	+2.2%

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

100

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

$102,192

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DINA VENDETTI	PRESIDENT	40.00	Officer	$102,192	$0	$102,192
TIMOTHY BAYES	VICE CHAIR -	N/A	Director	$0	$0	$0
KYLE BENOIT	BOARD MEMBER	N/A	Director	$0	$0	$0
ARLENE BENTON	BOARD MEMBER	N/A	Director	$0	$0	$0
DENEE J CRUMRINE	FIRST VICE C	N/A	Director	$0	$0	$0
JAY DAVIS	VICE CHAIR -	N/A	Officer Director	$0	$0	$0
COURTNEY A DUNCAN	BOARD MEMBER	N/A	Director	$0	$0	$0
LAURA A GAROFOLI	VICE CHAIR -	N/A	Officer Director	$0	$0	$0
DEAN E HOLDEN	BOARD MEMBER	N/A	Director	$0	$0	$0
LAUREN IRBY	BOARD MEMBER	N/A	Director	$0	$0	$0
PAUL MORRIS JR	BOARD MEMBER	N/A	Director	$0	$0	$0
JESSE C KELEHER	VICE CHAIR -	N/A	Director	$0	$0	$0
C SCOTT KIDNER	VICE CHAIR -	N/A	Director	$0	$0	$0
KALLIE MOYER	BOARD MEMBER	N/A	Director	$0	$0	$0
HASSAN NAJJAR	BOARD MEMBER	N/A	Director	$0	$0	$0
NICHOLAS POLCINO	VICE CHAIR -	N/A	Officer Director	$0	$0	$0
JAVIER SANTANA	CHAIRMAN	N/A	Director	$0	$0	$0
JANELL K UPTON	TREASURER	N/A	Director	$0	$0	$0
DANA F WATTAY	PAST CHAIRMA	N/A	Director	$0	$0	$0
CHARMAINE A WHYTE	BOARD MEMBER	N/A	Director	$0	$0	$0
DOUG YORKE	BOARD MEMBER	N/A	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	$742,738	$864,807	$503,641	$-122,069
2024	No data	No data	No data	No data
2023	$688,916	$789,425	$622,997	$-100,509
2022	$715,091	$719,706	$707,712	$-4,615
2021	$591,787	$563,221	$751,592	$28,566
2020	$560,014	$634,374	$640,007	$-74,360
2019	$611,805	$593,908	$551,471	$17,897
2018	$576,865	$581,964	$532,630	$-5,099

CENTRAL DE CHAMBER OF COMMERCE INC