GREATER SILVER SPRING CHAMBER OF COMMERCE (EIN 521813227) - 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

1993

Legal Domicile

Principal Officer

STEPHANIE HELSING

Phone

3015653777

Tax Period

2023-07-01 to 2024-06-30

GREATER SILVER SPRING CHAMBER OF COMMERCE, founded in 1993, is a small nonprofit that reported $316K in total revenue in fiscal year 2023. Revenue surged 32% from the prior year, signaling strong growth momentum. Expenses of $373K exceeded revenue, resulting in a 18% operating deficit.

Mission

TO ENHANCE THE ECONOMIC PROSPERITY OF GREATER SILVER SPRING THROUGH ROBUST PROMOTION OF OUR MEMBER BUSINESSES AND UNRELENTING ADVOCACY ON THEIR BEHALF.

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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 $296,215

Program Service Revenue $21,966

Investment Income $13,064

Other Revenue $-15,742

TOTAL REVENUE $315,503

Expense Breakdown

Grants Paid $0

Salaries & Benefits $302,180

Fundraising Expenses $0

Other Expenses $70,421

TOTAL EXPENSES $372,601

Year-over-Year Comparison

	2023	2022	Change
Revenue	$315,503	$239,486	+0.3%
Expenses	$372,601	$300,930	+0.2%
Net Income	$-57,098	$-61,444	-0.1%

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

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

$143,737

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHANIE HELSING	PRESIDENT AND CEO	60.00	Officer	$110,462	$33,275	$143,737
J BARTLETT	DIRECTOR	0.50	Director	$0	$0	$0
A HALPERT	DIRECTOR	0.50	Director	$0	$0	$0
M HARRIS	DIRECTOR	0.50	Director	$0	$0	$0
B STEWART	DIRECTOR	0.50	Director	$0	$0	$0
N REILLY	DIRECTOR	0.50	Director	$0	$0	$0
N ABRAMSON	DIRECTOR	0.50	Director	$0	$0	$0
E BONNY	DIRECTOR	0.50	Director	$0	$0	$0
Z GARBEDIAN	DIRECTOR	1.00	Director	$0	$0	$0
T HIITCKCOCK	DIRECTOR	0.50	Director	$0	$0	$0
J MELTZER	DIRECTOR	0.50	Director	$0	$0	$0
S READING	CHAIR	2.00	Officer Director	$0	$0	$0
W KOMINERS	CO-CHAIR ECON. DEVELOPMENT	1.00	Officer Director	$0	$0	$0
D FREEDMAN	CHAIR GOV. AFFAIRS	1.00	Officer Director	$0	$0	$0
J WILSON	CHAIR YOUNG PROFESSIONAL	1.00	Officer Director	$0	$0	$0
D KELLER	CHAIR MEMBERSHIP	1.00	Officer Director	$0	$0	$0
J STEWART	TREASURER	1.00	Officer Director	$0	$0	$0
M MCCARTIN	PAST CHAIR	0.50	Officer 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	$315,503	$372,601	$522,175	$-57,098
2023	$239,486	$300,930	$587,719	$-61,444
2022	$317,181	$355,907	$649,969	$-38,726
2021	$238,862	$339,576	$687,744	$-100,714
2020	$314,407	$389,712	$643,129	$-75,305
2019	$362,979	$356,400	$717,845	$6,579
2018	$408,258	$379,128	$708,655	$29,130

GREATER SILVER SPRING CHAMBER OF COMMERCE