ALLEGANY COUNTY 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

1906

Legal Domicile

Principal Officer

JULIE WESTENDORFF

Phone

3017222820

Tax Period

2025-01-01 to 2025-12-31

ALLEGANY COUNTY CHAMBER OF COMMERCE, founded in 1906, is a small nonprofit that reported $306K in total revenue in fiscal year 2025. Expenses of $289K left a modest 5% surplus.

Mission

THE CHAMBER'S MISSIONS ARE: TO FUNCTION AS AN ORGANIZATION THAT ATTENDS TO CHALLENGING MATTERS, WHICH IMPACT THE ADVANCEMENT OF BUSINESSES AND THE COMMUNITY; TO ACT AS A FORCE TO BRING ABOUT POSITIVE CHANGE AND TO PROMOTE MATTERS OF CHANGE OPENLY, OBJECTIVELY, AND REASONABLY WITH A NURTURE OF SPIRIT OF DELIBERATE REVIEW; TO CONTINUE PARTICIPATING PROACTIVELY IN SIGNIFICANT COMMUNITY ISSUES INCLUDING ARRANGING FORUMS FOR INPUT, STUDY, REVIEW, AND CONSENSUS-BUILDING; AND TO PROVIDE LEADERSHIP AND ASSEMBLE THE RESOURCES TO ACCOMPLISH VARIOUS TASKS CONSISTENT WITH ITS POSITION.

Program Service Accomplishments

Program 1

PROMOTE INDUSTRY AND TOURISM AND ACT AS LIASON BETWEEN THE STATE LEGISLATURE AND LOCAL BUSINESS COMMUNITY.

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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 $143,576

Program Service Revenue $90,789

Investment Income $4,438

Other Revenue $67,224

TOTAL REVENUE $306,027

Expense Breakdown

Grants Paid $0

Salaries & Benefits $148,151

Fundraising Expenses $0

Other Expenses $141,089

TOTAL EXPENSES $289,240

Year-over-Year Comparison

	2025	2024	Change
Revenue	$306,027	$288,572	+0.1%
Expenses	$289,240	$287,742	+0.0%
Net Income	$16,787	$830	+19.2%

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

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
JULIE WESTENDORFF	CHAIRWOMAN	8.00	Officer Director	$0	$0	$0
CRYSTAL BENDER	1ST VICE CHA	8.00	Officer Director	$0	$0	$0
JEREMY IRONS	2ND VICE CHA	8.00	Officer Director	$0	$0	$0
LARRY JACKSON	3RD VICE CHA	8.00	Officer Director	$0	$0	$0
ROBERT COLLETTE JR	PAST CHAIRMA	1.00	Director	$0	$0	$0
PATRICK BUCK	DIRECTOR	1.00	Director	$0	$0	$0
BRANDON BUTLER	DIRECTOR	1.00	Director	$0	$0	$0
SHARON IMES	DIRECTOR	1.00	Director	$0	$0	$0
DAVID JONES	DIRECTOR	1.00	Director	$0	$0	$0
JULIE MCBEE	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT PERRIN	DIRECTOR	1.00	Director	$0	$0	$0
S RAMANI PILLAI	DIRECTOR	1.00	Director	$0	$0	$0
BRANDI RICE	DIRECTOR	1.00	Director	$0	$0	$0
SHANNON ROSE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN SHORT	DIRECTOR	1.00	Director	$0	$0	$0
LEE WOODWARD	DIRECTOR	1.00	Director	$0	$0	$0
KATELYN YODER	DIRECTOR	1.00	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	$306,027	$289,240	$220,030	$16,787
2024	$288,572	$287,742	$184,212	$830
2023	$237,575	$241,080	$181,768	$-3,505
2022	$239,653	$228,497	$172,900	$11,156
2021	$186,886	$165,021	$159,437	$21,865
2020	$153,885	$137,434	$121,013	$16,451