CHARLES CO CHAMBER OF COMMERCE MILITARY (EIN 812619085) - 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

2015

Legal Domicile

Principal Officer

PAM FRANK

Phone

2023615300

Tax Period

2024-01-01 to 2024-12-31

CHARLES CO CHAMBER OF COMMERCE MILITARY, founded in 2015, is a small nonprofit in the Community Improvement sector that reported $474K in total revenue in fiscal year 2024. Expenses of $421K left a modest 11% surplus.

Mission

TO SUPPORT, ASSIST AND EDUCATE THE SOUTHERN MARYLAND COMMUNITY, BUSINESSES, AND GOVERNMENT LEADERS OF THE SOCIAL, ECONOMIC, AND CULTURAL BENEFITS OF THE CONTINUED AND INCREASED PRESENCE OF MILITARY ASSETS LOCATED WITHIN CHARLES COUNTY AND THE REGION.

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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 (2024)

Revenue Breakdown

Contributions & Grants $474,250

Program Service Revenue $0

Investment Income $10

Other Revenue $0

TOTAL REVENUE $474,260

Expense Breakdown

Grants Paid $345,100

Salaries & Benefits $43,200

Fundraising Expenses $0

Program Expenses $414,766

Other Expenses $32,327

TOTAL EXPENSES $420,627

Year-over-Year Comparison

	2024	2023	Change
Revenue	$474,260	$480,851	0.0%
Expenses	$420,627	$505,530	-0.2%
Net Income	$53,633	$-24,679	-3.2%

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

N/A

Volunteers

N/A

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

$43,200

Total Directors

$43,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VINCE HUNGERFORD	PRESIDENT	2.00	Officer Director	$0	$0	$0
EDWARD HOLLAND	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
PAM FRANK	EXEC DIRECTOR/SECRETARY/CEO	20.00	Officer Director	$43,200	$0	$43,200
SHEILA ZATTAU	TREASURER	2.00	Officer Director	$0	$0	$0
SUE GREER	BOARD MEMBER	2.00	Director	$0	$0	$0
MATT MARTIN	BOARD MEMBER	2.00	Director	$0	$0	$0
TOM BLANDFORD	BOARD MEMBER	2.00	Director	$0	$0	$0
CHARLES HARDING JR	BOARD MEMBER	2.00	Director	$0	$0	$0
JOHN BROUGH	BOARD MEMBER	2.00	Director	$0	$0	$0
NORMAN J SAUNDERS	BOARD MEMBER	2.00	Director	$0	$0	$0
MICHELLE GOODWIN	BOARD MEMBER	2.00	Director	$0	$0	$0
LARRY SUTTON	BOARD MEMBER	2.00	Director	$0	$0	$0
DARREN CARRINGTON	BOARD MEMBER	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	$474,260	$420,627	$100,746	$53,633
2023	$480,851	$505,530	$47,113	$-24,679
2022	$556,609	$565,704	$71,792	$-9,095
2021	$396,653	$395,096	$80,887	$1,557
2020	$649,537	$628,390	$79,330	$21,147

CHARLES CO CHAMBER OF COMMERCE MILITARY