CHARLES COUNTY CHAMBER OF COMMERCE INC (EIN 520699475) - 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

1956

Legal Domicile

Principal Officer

KATHRYN GUZMAN

Phone

3019326500

Tax Period

2024-01-01 to 2024-12-31

CHARLES COUNTY CHAMBER OF COMMERCE INC, founded in 1956, is a small nonprofit in the Community Improvement sector that reported $297K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $419K exceeded revenue, resulting in a 41% operating deficit.

Mission

BUSINESS DEVELOPMENT

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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 $99,550

Program Service Revenue $153,029

Investment Income $218

Other Revenue $44,180

TOTAL REVENUE $296,977

Expense Breakdown

Grants Paid $0

Salaries & Benefits $165,159

Fundraising Expenses $0

Program Expenses $418,921

Other Expenses $253,762

TOTAL EXPENSES $418,921

Year-over-Year Comparison

	2024	2023	Change
Revenue	$296,977	$273,229	+0.1%
Expenses	$418,921	$299,960	+0.4%
Net Income	$-121,944	$-26,731	+3.6%

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

$90,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHRYN GUZMAN	PRESIDENT &	3.00	Officer	$90,000	$0	$90,000
MARLON BROWN	CHAIR	3.00	Officer Director	$0	$0	$0
DEADRA ROBINSON	PAST CHAIR	3.00	Officer Director	$0	$0	$0
NATONYA THOMAS	VICE CHAIR	3.00	Officer Director	$0	$0	$0
KELLY BACON	TREASURER	3.00	Officer Director	$0	$0	$0
ALVIN STEWART	MEMBER AT LA	2.00	Director	$0	$0	$0
CHRISTIE BURNETT	DIRECTOR	2.00	Director	$0	$0	$0
DANIELLE CONROW	DIRECTOR	2.00	Director	$0	$0	$0
AROLD JACQUES	DIRECTOR	2.00	Director	$0	$0	$0
KAPRECE JAMES	DIRECTOR	3.00	Director	$0	$0	$0
PAM FRANK	DIRECTOR	2.00	Director	$0	$0	$0
HERB BANKS	DIRECTOR	2.00	Director	$0	$0	$0
LATASHA BRISCOE	DIRECTOR	2.00	Director	$0	$0	$0
RHOSHEEDA PROCTOR	DIRECTOR	2.00	Director	$0	$0	$0
NEVERY BERRY	DIRECTOR	2.00	Director	$0	$0	$0
TROY SMITH	ASSISTANT TR	3.00	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
2024	$296,977	$418,921	$169,226	$-121,944
2023	$273,229	$299,960	$292,130	$-26,731
2022	$510,730	$355,394	$306,118	$155,336
2021	$249,444	$255,836	$298,059	$-6,392
2020	$228,112	$206,754	$309,408	$21,358
2019	$282,783	$289,191	$309,005	$-6,408
2018	$315,935	$331,159	$335,768	$-15,224

CHARLES COUNTY CHAMBER OF COMMERCE INC