TALBOT COUNTY CHAMBER OF COMMERCE INC (EIN 520804753) - 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

1966

Legal Domicile

Principal Officer

AMY KREINER

Phone

4108224653

Tax Period

2024-01-01 to 2024-12-31

TALBOT COUNTY CHAMBER OF COMMERCE INC, founded in 1966, is a small nonprofit that reported $283K in total revenue in fiscal year 2024.

Mission

TO PROMOTE BUSINESS IN TALBOT COUNTY

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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 $0

Program Service Revenue $179,355

Investment Income $2,402

Other Revenue $100,947

TOTAL REVENUE $282,704

Expense Breakdown

Grants Paid $0

Salaries & Benefits $131,035

Fundraising Expenses $0

Program Expenses $60,053

Other Expenses $150,472

TOTAL EXPENSES $281,507

Year-over-Year Comparison

	2024	2023	Change
Revenue	$282,704	$294,962	0.0%
Expenses	$281,507	$259,687	+0.1%
Net Income	$1,197	$35,275	-1.0%

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

N/A

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

$43,456

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REZA JAFARI	IMMED. PAST CHAIR	1.00	Officer Director	$0	$0	$0
BRENDAN MULLANEY	DIRECTOR	1.00	Officer Director	$0	$0	$0
ARVIN SINGH	CHAIRMAN	1.00	Officer Director	$0	$0	$0
CASSANDA VANHOOSER	EX OFFICIO	1.00	Director	$0	$0	$0
BETSY GRIFFIN	DIRECTOR	1.00	Director	$0	$0	$0
JACKIE WILSON	VICE CHAIRMAN	1.00	Director	$0	$0	$0
BRANDON ANGELL	DIRECTOR	1.00	Director	$0	$0	$0
DINA DALY	DIRECTOR	1.00	Director	$0	$0	$0
FRANK GUNSALLUS IV	SECRETARY	1.00	Officer Director	$0	$0	$0
KAREN SMITH	TREASURER	1.00	Director	$0	$0	$0
DORIAN MITCHELL	DIRECTOR	1.00	Director	$0	$0	$0
KELLY SIMONSEN	DIRECTOR	1.00	Director	$0	$0	$0
LIZ CONNELLY	DIRECTOR	1.00	Director	$0	$0	$0
SHARON PEPUKAYI	DIRECTOR	1.00	Director	$0	$0	$0
LIZA LEDFORD	DIRECTOR	1.00	Director	$0	$0	$0
AMY KREINER	PRESIDENT AND CEO	40.00	Officer	$43,456	$0	$43,456

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	$282,704	$281,507	$158,224	$1,197
2023	$294,962	$259,687	$155,201	$35,275
2022	$298,760	$268,877	$119,780	$29,883
2021	$217,457	$180,788	$130,282	$36,669
2020	$315,485	$205,897	$79,716	$109,588
2019	$313,720	$292,214	$63,311	$21,506
2018	$288,555	$293,918	$53,312	$-5,363

TALBOT COUNTY CHAMBER OF COMMERCE INC