STUARTMARTIN CO CHAMBER OF COMMERCE INC (EIN 590684483) - 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

1977

Legal Domicile

Principal Officer

JOSEPH A CATRAMBONE

Phone

7722871088

Tax Period

2023-10-01 to 2024-09-30

STUARTMARTIN CO CHAMBER OF COMMERCE INC, founded in 1977, is a community nonprofit that reported $1.1M in total revenue in fiscal year 2023.

Mission

THROUGH MEMBERSHIP AND PARTICIPATION IN SPECIAL PROGRAMS, INDIVIDUALS ARE PRESENTED OPPORTUNITIES TO ADVANCE THEIR OWN BUSINESS INTERESTS; COLLECTIVELY, MEMBERS ARE ABLE TO AFFECT PROGRAMS AND LEGISLATION TO PROMOTE THE BUSINESS COMMUNITY AS A WHOLE AND ADDRESS SOCIAL & HUMANITARIAN CONCERNS IN THE COMMUNITY.

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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 $927,934

Investment Income $17,754

Other Revenue $126,438

TOTAL REVENUE $1,072,126

Expense Breakdown

Grants Paid $106,543

Salaries & Benefits $525,542

Fundraising Expenses $0

Other Expenses $527,515

TOTAL EXPENSES $1,159,600

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,072,126	$1,090,891	0.0%
Expenses	$1,159,600	$1,008,674	+0.1%
Net Income	$-87,474	$82,217	-2.1%

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

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

$153,286

Total Directors

$153,286

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSEPH A CATRAMBONE	PRESIDENT/CEO	40.00	Officer Director	$145,036	$8,250	$153,286
LISA GRASSAM-SMITH	CHAIRMAN	3.00	Officer Director	$0	$0	$0
DAN HULEN	CHAIRMAN ELECT	3.00	Officer Director	$0	$0	$0
ERIC KIEHN	VICE CHAIRMAN	3.00	Officer Director	$0	$0	$0
CANDACE LOPES	VICE CHAIRMAN	3.00	Officer Director	$0	$0	$0
LISA SATUR	PAST CHAIRMAN	3.00	Officer Director	$0	$0	$0
AMBER WOODS	DIRECTOR	3.00	Director	$0	$0	$0
BRIAN MORIARTY	DIRECTOR	3.00	Director	$0	$0	$0
CHARLES GEARY	DIRECTOR	3.00	Director	$0	$0	$0
CHRIS SMITH	DIRECTOR	3.00	Director	$0	$0	$0
DAN BRADY	DIRECTOR	3.00	Director	$0	$0	$0
DAVID SNYDER	DIRECTOR	3.00	Director	$0	$0	$0
JEFF GUSTAFSON	DIRECTOR	3.00	Director	$0	$0	$0
JEREMY HARRIS	DIRECTOR	3.00	Director	$0	$0	$0
JILL MARASA	DIRECTOR	3.00	Director	$0	$0	$0
KELLY JOHNSON	DIRECTOR	3.00	Director	$0	$0	$0
LT GENERAL FRANK LIBUTTI	DIRECTOR	3.00	Director	$0	$0	$0
MARSHALL CRITCHFIELD	DIRECTOR	3.00	Director	$0	$0	$0
RYAN HUFF	DIRECTOR	3.00	Director	$0	$0	$0
STEPHEN QUINTYNE	DIRECTOR	3.00	Director	$0	$0	$0
STEVEN SHULTZ	DIRECTOR	3.00	Director	$0	$0	$0
WAYNE FILOWITZ	DIRECTOR	3.00	Director	$0	$0	$0
ZACH GAZZA	DIRECTOR	3.00	Director	$0	$0	$0
BRANDON MCALLISTER	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
2024	$1,072,126	$1,159,600	$809,006	$-87,474
2023	$1,090,891	$1,008,674	$995,553	$82,217
2022	$892,954	$855,033	$886,259	$37,921
2021	$874,482	$762,191	$831,822	$112,291
2020	$741,799	$815,482	$590,165	$-73,683
2019	$872,791	$870,776	$617,780	$2,015
2018	$848,748	$852,952	$631,724	$-4,204

STUARTMARTIN CO CHAMBER OF COMMERCE INC