CECIL COUNTY CHAMBER OF COMMERCE (EIN 521358480) - 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

1982

Legal Domicile

Principal Officer

GIANLUCA SANTINELLI

Phone

4103923833

Tax Period

2024-01-01 to 2024-12-31

CECIL COUNTY CHAMBER OF COMMERCE, founded in 1982, is a small nonprofit that reported $331K in total revenue in fiscal year 2024. Revenue surged 36% from the prior year, signaling strong growth momentum. Expenses of $295K left a modest 11% surplus.

Mission

BUSINESS AND COMMUNITY 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 $192,971

Program Service Revenue $0

Investment Income $8,145

Other Revenue $130,188

TOTAL REVENUE $331,304

Expense Breakdown

Grants Paid $0

Salaries & Benefits $188,102

Fundraising Expenses $0

Program Expenses $248,703

Other Expenses $106,782

TOTAL EXPENSES $294,884

Year-over-Year Comparison

	2024	2023	Change
Revenue	$331,304	$243,030	+0.4%
Expenses	$294,884	$224,144	+0.3%
Net Income	$36,420	$18,886	+0.9%

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

$76,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMY DIPIETRO	MEMBER	1.00	Director	$0	$0	$0
ANDY STANSFIELD	MEMBER	4.00	Director	$0	$0	$0
JOHN METTEE IV	MEMBER	1.00	Director	$0	$0	$0
THERESA GIORDANO	BOARD CHAIR	4.00	Officer Director	$0	$0	$0
JOHN NESS	MEMBER	1.00	Director	$0	$0	$0
MEGAN MCRAY	EXECUTIVE DIRECTOR	40.00	Director	$76,500	$0	$76,500
JOSH HUEGEL	MEMBER	1.00	Director	$0	$0	$0
JOHN GONZALEZ	MEMBER	1.00	Director	$0	$0	$0
JOE SHEPHERD	MEMBER	1.00	Director	$0	$0	$0
TONI SPRENKLE	MEMBER	1.00	Director	$0	$0	$0
AARON WRIGHT	MEMBER	1.00	Director	$0	$0	$0
LISA DEROSE	MEMBER	1.00	Director	$0	$0	$0
YVETTE VALENTIN	PAST CHAIR	1.00	Officer	$0	$0	$0
VANESSA TORRES ALBARRAN	VICE CHAIR	4.00	Officer	$0	$0	$0
GIANLUCA SANTINELLI	TREASURER	1.00	Officer	$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	$331,304	$294,884	$318,860	$36,420
2023	$243,030	$224,144	$277,780	$18,886
2022	$218,700	$174,948	$258,356	$43,752
2021	$250,365	$168,988	$208,796	$81,377
2020	$236,679	$179,774	$110,762	$56,905
2019	$267,713	$230,423	$50,041	$37,290
2018	$217,338	$247,463	$27,389	$-30,125

CECIL COUNTY CHAMBER OF COMMERCE