GREATER WILMINGTON CHAMBER OF COMMERCE (EIN 560457260) - 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

1942

Legal Domicile

Principal Officer

NATALIE ENGLISH

Phone

9107622611

Tax Period

2023-01-01 to 2023-12-31

GREATER WILMINGTON CHAMBER OF COMMERCE, founded in 1942, is a community nonprofit that reported $1.7M in total revenue in fiscal year 2023. Revenue surged 40% from the prior year, signaling strong growth momentum. Expenses of $1.6M left a modest 5% surplus.

Mission

TO PROTECT AND STRENGTHEN THE WILMINGTON BUSINESS COMMUNITY AND HELP BUSINESSES GROW AND THRIVE.

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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 $139,524

Program Service Revenue $1,378,207

Investment Income $11,692

Other Revenue $143,895

TOTAL REVENUE $1,673,318

Expense Breakdown

Grants Paid $0

Salaries & Benefits $777,578

Fundraising Expenses $0

Other Expenses $810,874

TOTAL EXPENSES $1,588,452

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,673,318	$1,197,461	+0.4%
Expenses	$1,588,452	$1,156,293	+0.4%
Net Income	$84,866	$41,168	+1.1%

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

250

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

$246,787

Total Directors

$246,787

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NATALIE ENGLISH	PRESIDENT/CEO	40.00	Officer Director	$227,917	$18,870	$246,787
LILY LOIZEAUX	PERSONNEL COMMITTEE CHAIR	2.00	Officer Director	$0	$0	$0
JIM HUNDLEY JR	2ND VICE CHAIR	2.00	Officer Director	$0	$0	$0
LISA LEATH	1ST VICE CHAIR	2.00	Officer Director	$0	$0	$0
NICOLAS MONTOYA	TREASURER	2.00	Officer Director	$0	$0	$0
STEPHANIE LANIER	CHAIR	2.00	Officer Director	$0	$0	$0
ROBERT CAMPBELL	MEMBER	1.00	Director	$0	$0	$0
ROB KAISER	MEMBER	1.00	Director	$0	$0	$0
TRACEY NEWKIRK	MEMBER	1.00	Director	$0	$0	$0
DENISE KINNEY	MEMBER	1.00	Director	$0	$0	$0
EURAN DANIELS	MEMBER	1.00	Director	$0	$0	$0
GUSTAVO RODEA	MEMBER	1.00	Director	$0	$0	$0
LIVIAN JONES	MEMBER	1.00	Director	$0	$0	$0
KRISTY HUBARD	MEMBER	1.00	Director	$0	$0	$0
TED SHIPLEY	MEMBER	1.00	Director	$0	$0	$0
NED GLASCOCK	MEMBER	1.00	Director	$0	$0	$0
ROBIN SPINKS	MEMBER	1.00	Director	$0	$0	$0
ANTHONY PARNELL	MEMBER	1.00	Director	$0	$0	$0
NEAL ANDREW	IMMEDIATE PAST CHAIR	1.00	Officer Director	$0	$0	$0
CHAKEMA CLINTON-QUENTANA	MEMBER	1.00	Director	$0	$0	$0
ERIN KELLER	MEMBER	1.00	Director	$0	$0	$0
AMANDA MIARS	MEMBER	1.00	Director	$0	$0	$0
MIKE BROWN	MEMBER	1.00	Director	$0	$0	$0
KATIE SMITH	MEMBER	1.00	Director	$0	$0	$0
JOHN GILLESPIE	MEMBER	1.00	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	$1,673,318	$1,588,452	$1,372,219	$84,866
2022	$1,197,461	$1,156,293	$1,373,994	$41,168
2021	$1,046,653	$929,486	$1,374,277	$117,167
2020	$975,270	$830,323	$1,114,379	$144,947
2019	$1,039,639	$1,002,054	$799,574	$37,585
2018	$837,511	$915,036	$777,227	$-77,525

GREATER WILMINGTON CHAMBER OF COMMERCE