ANNAPOLIS AND ANNE ARUNDEL COUNTY CHAMBER OF COMMERCE (EIN 522143905) - 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

1918

Legal Domicile

Principal Officer

MARK KLEINSCHMIDT

Phone

4436030233

Tax Period

2023-01-01 to 2023-12-31

ANNAPOLIS AND ANNE ARUNDEL COUNTY CHAMBER OF COMMERCE, founded in 1918, is a small nonprofit in the Community Improvement sector that reported $351K in total revenue in fiscal year 2023.

Mission

TO PROVIDE STRONG ADVOCACY FOR BUSINESSES, VIBRANT NETWORKING THAT HELPS BUSINESSES EXPAND THEIR CUSTOMER BASE, AND UNPARALLELED ACCESS TO RESOURCES IMPORTANT FOR BUSINESSES TO GROW AND SUCCEED THROUGHOUT ANNE ARUNDEL CO

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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 $0

Program Service Revenue $350,707

Investment Income $5

Other Revenue $0

TOTAL REVENUE $350,712

Expense Breakdown

Grants Paid $0

Salaries & Benefits $197,558

Fundraising Expenses $0

Other Expenses $158,479

TOTAL EXPENSES $356,037

Year-over-Year Comparison

	2023	2022	Change
Revenue	$350,712	$325,162	+0.1%
Expenses	$356,037	$310,106	+0.1%
Net Income	$-5,325	$15,056	-1.4%

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

$116,699

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK KLEINSCHMIDT	CEO	040.00	Officer	$116,699	$0	$116,699
STEVEN BROWN	CHAIR	002.00	Officer Director	$0	$0	$0
ART EBERSBERGER	SECRETARY	002.00	Officer Director	$0	$0	$0
HEATHER LALOR	TREASURER	002.00	Officer Director	$0	$0	$0
ROBERT NORTON	DIRECTOR	002.00	Director	$0	$0	$0
VOLLIE MELSON	DIRECTOR	002.00	Director	$0	$0	$0
DENNIS MURPHY	DIRECTOR	002.00	Director	$0	$0	$0
MARTY PADDEN	DIRECTOR	002.00	Director	$0	$0	$0
SHERRY PERKINS	DIRECTOR	002.00	Director	$0	$0	$0
STEVEN HYATT	GENERAL COUNSEL	002.00	Director	$0	$0	$0
MAURICE TOSE	DIRECTOR	002.00	Director	$0	$0	$0
TIM MARTIN	VICE CHAIR	002.00	Officer Director	$0	$0	$0
GENE CONDON	DIRECTOR	002.00	Director	$0	$0	$0
CHRISTI SWANSON	DIRECTOR	002.00	Director	$0	$0	$0
CARL SNOWDEN	DIRECTOR	002.00	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
2024	No data	No data	No data	No data
2023	$350,712	$356,037	$94,335	$-5,325
2022	$325,162	$310,106	$104,600	$15,056
2021	$257,704	$263,077	$94,447	$-5,373
2020	$215,756	$192,662	$119,050	$23,094
2019	$359,951	$304,646	$87,656	$55,305
2018	$432,907	$407,303	$101,579	$25,604

ANNAPOLIS AND ANNE ARUNDEL COUNTY CHAMBER OF COMMERCE