TOWSON CHAMBER OF COMMERCE (EIN 520821965) - 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

1964

Legal Domicile

Principal Officer

NANCY HAFFORD

Phone

4108251144

Tax Period

2023-07-01 to 2024-06-30

TOWSON CHAMBER OF COMMERCE, founded in 1964, is a small nonprofit that reported $638K in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum.

Mission

PROMOTE BUSINESS RELATIONS WITH THE COMMUNITY; ENCOURAGE GROWTH & DEVELOPMENT OF BUSINESS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $166,541

Program Service Revenue $402,767

Investment Income $2,874

Other Revenue $65,486

TOTAL REVENUE $637,668

Expense Breakdown

Grants Paid $0

Salaries & Benefits $220,083

Fundraising Expenses $0

Other Expenses $455,508

TOTAL EXPENSES $675,591

Year-over-Year Comparison

	2023	2022	Change
Revenue	$637,668	$493,929	+0.3%
Expenses	$675,591	$309,032	+1.2%
Net Income	$-37,923	$184,897	-1.2%

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

$128,157

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANTHONY DIMARTINO	TREASURER	2.00	Officer Director	$0	$0	$0
TOM GRONERT	PRESIDENT	2.00	Officer Director	$0	$0	$0
NATALIE MARTZ	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
TRACY CARROLL	SECRETARY	1.00	Officer Director	$0	$0	$0
JON CHRISTIANA	DIRECTOR	1.00	Director	$0	$0	$0
MICHELE EWING	DIRECTOR	1.00	Director	$0	$0	$0
ED HALE JR	DIRECTOR	1.00	Director	$0	$0	$0
NANCY HOFMANN	DIRECTOR	2.00	Director	$0	$0	$0
CR HOGENDORP	DIRECTOR	1.00	Director	$0	$0	$0
DARIUS IRANI	DIRECTOR	1.00	Director	$0	$0	$0
STEVE NORRIS	DIRECTOR	1.00	Director	$0	$0	$0
KAITLIN RADEBAUGH	DIRECTOR	2.00	Director	$0	$0	$0
PAUL SCHWAB	DIRECTOR	1.00	Director	$0	$0	$0
MARK SHULMAN	DIRECTOR	1.00	Director	$0	$0	$0
MELONY WAGNER	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN MURPHY	DIRECTOR	2.00	Director	$0	$0	$0
ROBERT BRANDO	DIRECTOR	1.00	Director	$0	$0	$0
COLIN EXELBY	DIRECTOR	2.00	Director	$0	$0	$0
LORRIE GEISS	DIRECTOR	1.00	Director	$0	$0	$0
SANDY GURCHIK	DIRECTOR	2.00	Director	$0	$0	$0
TODD HUFF	DIRECTOR	1.00	Director	$0	$0	$0
NANCY HARFORD	EXECUTIVE DIRECTOR	40.00	Officer	$109,157	$19,000	$128,157

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	No data	No data	No data	No data
2024	$637,668	$675,591	$759,976	$-37,923
2023	$493,929	$309,032	$909,246	$184,897
2022	$547,085	$475,435	$642,910	$71,650
2021	$357,164	$293,104	$781,241	$64,060
2020	$395,558	$352,453	$712,098	$43,105
2019	$426,895	$422,193	$701,245	$4,702
2018	$508,939	$512,834	$728,129	$-3,895

TOWSON CHAMBER OF COMMERCE