CHARLOTTESVILLE REGIONAL CHAMBER OF COMM (EIN 540166025) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1913

Legal Domicile

Principal Officer

ANDREA COPELAND

Phone

4342953141

Tax Period

2024-01-01 to 2024-12-31

CHARLOTTESVILLE REGIONAL CHAMBER OF COMMERCE, founded in 1913, is a small nonprofit that reported $640K in total revenue in fiscal year 2018.

Mission

THE CHARLOTTESVILLE REGIONAL CHAMBER OF COMMERCE IS A NON-PROFIT CORPORATION ORGANIZED UNDER THE LAWS OF THE COMMONWEALTH OF VIRGINIA FOR THE PURPOSE OF REPRESENTING PRIVATE ENTERPRISE, PROMOTING BUSINESS, ECONOMIC GROWTH AND VITALITY, AND ENHANCING THE QUALITY OF LIFE IN THE CITY OF CHARLOTTESVILLE AND SURROUNDING COUNTIES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $285,450

Program Service Revenue $345,384

Investment Income $738,270

Other Revenue $0

TOTAL REVENUE $1,369,104

Expense Breakdown

Grants Paid $16,500

Salaries & Benefits $231,367

Fundraising Expenses $0

Other Expenses $312,676

TOTAL EXPENSES $560,543

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,369,104	$763,016	+0.8%
Expenses	$560,543	$653,641	-0.1%
Net Income	$808,561	$109,375	+6.4%

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

175

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

$136,717

Total Directors

$136,717

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDREA COPELAND	PRESIDENT AND CEO	40.00	Officer Director	$126,667	$3,800	$130,467
NATALIE MASRI	PAST PRESIDENT	40.00	Officer Director	$6,250	$0	$6,250
JONATHAN CHASEN	VICE CHAIR, CHAIR ELECT	2.50	Officer Director	$0	$0	$0
SASHA FARMER TRIPP	CHAIRWOMAN OF THE BOARD	2.50	Officer Director	$0	$0	$0
TODD ROWLEY	VICE CHAIR, FINANCE	2.50	Officer Director	$0	$0	$0
CHARLIE ROGERS	VICE CHAIR, GOVERNANCE	2.50	Officer Director	$0	$0	$0
REBECCA IVINS	IMMEDIATE PAST CHAIR	2.50	Officer Director	$0	$0	$0
MARIANE ASAD DOYLE	DIRECTOR	1.50	Director	$0	$0	$0
GUY BROWNING	DIRECTOR	1.50	Director	$0	$0	$0
KARA CHANDEYSSON	DIRECTOR	2.50	Director	$0	$0	$0
LIBBY EDWARDS-ALLBAUGH	DIRECTOR	1.50	Director	$0	$0	$0
CHRIS ENGEL	DIRECTOR	1.50	Director	$0	$0	$0
YOLUNDA HARRELL	DIRECTOR	1.50	Director	$0	$0	$0
TREVOR HENRY	DIRECTOR	1.50	Director	$0	$0	$0
ALLISON LINNEY	DIRECTOR	1.50	Director	$0	$0	$0
DAVID MITCHELL	DIRECTOR	1.50	Director	$0	$0	$0
RAVI RESPETO	DIRECTOR	1.50	Director	$0	$0	$0
COLETTE SHEEHY	DIRECTOR	1.50	Director	$0	$0	$0
ABDI SOMO	DIRECTOR	1.50	Director	$0	$0	$0
DEBORAH VAN EERSEL	DIRECTOR	1.50	Director	$0	$0	$0
KEITH WOODWARD	DIRECTOR	1.50	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	$1,369,104	$560,543	$1,306,994	$808,561
2023	$763,016	$653,641	$523,026	$109,375
2022	$673,453	$655,376	$492,239	$18,077
2021	$527,909	$515,243	$485,186	$12,666
2020	$664,583	$576,859	$313,350	$87,724
2019	$623,604	$595,430	$277,973	$28,174
2018	$639,593	$630,244	$160,722	$9,349

CHARLOTTESVILLE REGIONAL CHAMBER OF COMM