Greater Severna Park and Arnold Chamber of Commerce (EIN 521846411) - 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

1992

Legal Domicile

Principal Officer

Elizabeth League

Phone

4106473900

Tax Period

2025-01-01 to 2025-12-31

Greater Severna Park and Arnold Chamber of Commerce, founded in 1992, is a small nonprofit that reported $221K in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $210K left a modest 5% surplus.

Mission

Promote economic interest in Severna Park, MD and Arnold, MD

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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 (2025)

Revenue Breakdown

Contributions & Grants $164,444

Program Service Revenue $0

Investment Income $6,536

Other Revenue $50,335

TOTAL REVENUE $221,315

Expense Breakdown

Grants Paid $0

Salaries & Benefits $138,793

Fundraising Expenses $20,304

Program Expenses $169,439

Other Expenses $71,667

TOTAL EXPENSES $210,460

Year-over-Year Comparison

	2025	2024	Change
Revenue	$221,315	$199,379	+0.1%
Expenses	$210,460	$196,188	+0.1%
Net Income	$10,855	$3,191	+2.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Elizabeth League	CEO	40.00		$115,608	$0	$115,608
Tommy Sommers	Director	3.00	Director	$0	$0	$0
Christy Rawlings	Treasurer	3.00	Officer Director	$0	$0	$0
Dianna Lancione	Past President	3.00	Officer Director	$0	$0	$0
Christina Prieto	Vice President	3.00	Officer Director	$0	$0	$0
Patrick Lee	Vice President	3.00	Officer Director	$0	$0	$0
Danielle Bowen	Secretary	3.00	Director	$0	$0	$0
Tammie Neall	President	3.00	Director	$0	$0	$0
Sherri Norton	Director	3.00	Director	$0	$0	$0
Anna Radle	Director	3.00	Director	$0	$0	$0
Jonathan Katz	Director	3.00	Director	$0	$0	$0
Anita Dewling	Director	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
2025	$221,315	$210,460	$290,944	$10,855
2024	$199,379	$196,188	$274,376	$3,191
2023	$201,645	$180,371	$269,607	$21,274
2022	$186,105	$168,015	$241,304	$18,090
2021	$210,548	$162,850	$225,201	$47,698
2020	$134,974	$136,757	$177,248	$-1,783

Greater Severna Park and Arnold Chamber of Commerce