TOP OF VIRGINIA REGIONAL CHAMBER (EIN 540438735) - 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

1917

Legal Domicile

Principal Officer

CYNTHIA SCHNEIDER

Phone

5406624118

Tax Period

2024-01-01 to 2024-12-31

TOP OF VIRGINIA REGIONAL CHAMBER, founded in 1917, is a small nonprofit that reported $433K in total revenue in fiscal year 2020. Revenue decreased 9% compared to the prior year. Expenses of $402K left a modest 7% surplus.

Mission

TO PROVIDE PROGRAMS AND SERVICES WHICH FOSTER A HEALTHY BUSINESS ENVIRONMENT AND PROMOTE ECONOMIC GROWTH, THEREBY ENHANCING THE QUALITY OF LIFE IN THE REGION.

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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 $0

Program Service Revenue $574,069

Investment Income $243

Other Revenue $29,528

TOTAL REVENUE $603,840

Expense Breakdown

Grants Paid $0

Salaries & Benefits $359,191

Fundraising Expenses $0

Program Expenses $426,187

Other Expenses $179,038

TOTAL EXPENSES $538,229

Year-over-Year Comparison

	2024	2023	Change
Revenue	$603,840	$526,788	+0.1%
Expenses	$538,229	$510,904	+0.1%
Net Income	$65,611	$15,884	+3.1%

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

130

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

$91,840

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CYNTHIA SCHNEIDER	CEO	40.00	Officer	$91,840	$0	$91,840
CARY NELSON	Chair	2.00	Officer Director	$0	$0	$0
KRISTY POWERS	Chair Elect	2.00	Officer Director	$0	$0	$0
JAMES IMOH	Vice Chair	2.00	Officer Director	$0	$0	$0
JENNY GROOMS	Director	2.00	Director	$0	$0	$0
JIM GUISEWHITE	Director	2.00	Director	$0	$0	$0
ANDY GAIL	At-Large Member	2.00	Director	$0	$0	$0
JULI FERRELL	Director	2.00	Director	$0	$0	$0
DARCUS BRENEMAN	Director	2.00	Director	$0	$0	$0
MATTHEW MARTZ	Director	2.00	Director	$0	$0	$0
FREDA ROBERSON	Director	2.00	Director	$0	$0	$0
PATTI SOLENBERGER	Director	2.00	Director	$0	$0	$0
FRITZ POLITE	Director	2.00	Director	$0	$0	$0
JACK MORANA	Treasurer	2.00	Officer Director	$0	$0	$0
TOM STAMULIS	Director	2.00	Director	$0	$0	$0
BRIAN NIEVES	Director	2.00	Director	$0	$0	$0
CHARLES DANIELS	PAST-CHAIR	2.00	Director	$0	$0	$0
BRANDON LOREY	Director	2.00	Director	$0	$0	$0
NATHAN STALVEY	Director	2.00	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	$603,840	$538,229	$786,766	$65,611
2023	$526,788	$510,904	$663,020	$15,884
2022	$643,229	$498,022	$586,907	$145,207
2021	$491,839	$402,549	$446,832	$89,290
2020	$433,140	$401,932	$434,438	$31,208

TOP OF VIRGINIA REGIONAL CHAMBER