UNITED STATES VETERANS CHAMBER OF COMMERCE INC (EIN 821531530) - 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

2017

Legal Domicile

Principal Officer

ADRIAN GUGLIELMO

Phone

7577460597

Tax Period

2019-11-01 to 2020-10-31

UNITED STATES VETERANS CHAMBER OF COMMERCE INC, founded in 2017, is a small nonprofit that reported $270K in total revenue in fiscal year 2019. Expenses of $392K exceeded revenue, resulting in a 45% operating deficit.

Mission

DEVELOP 5 PILLARS APPROACH TO TRANSITIONING MILITARY SERVICE MEMBERS, VETERANS & THEIR FAMILIES:FAMILY/BUSINESS/WELLNESS/EMPLOYMENT/EDUCATION

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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 (2019)

Revenue Breakdown

Contributions & Grants $196,597

Program Service Revenue $11,000

Investment Income $0

Other Revenue $62,544

TOTAL REVENUE $270,141

Expense Breakdown

Grants Paid $0

Salaries & Benefits $245,300

Fundraising Expenses $67,500

Program Expenses $118,770

Other Expenses $146,570

TOTAL EXPENSES $391,870

Year-over-Year Comparison

	2019	2018	Change
Revenue	$270,141	N/A	N/A
Expenses	$391,870	N/A	N/A
Net Income	$-121,729	$0	N/A

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

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

$121,500

Total Directors

$7,500

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHAEL ZACCHEA	EXECUTIVE DIRECTOR	15.00	Director	$7,500	$0	$7,500
PAUL BUCHA	CHAIRMAN OF THE BOARD	10.00	Director	$0	$0	$0
JASON ARAGHI	DIRECTOR	5.00	Director	$0	$0	$0
BRUCE FERRIS	DIRECTOR	5.00	Director	$0	$0	$0
KIM HARWELL	DIRECTOR	5.00	Director	$0	$0	$0
SCOTT HIGGINS	DIRECTOR	5.00	Director	$0	$0	$0
KATHY HOMEYER	DIRECTOR	5.00	Director	$0	$0	$0
DR LINDA SCHWARTZ	DIRECTOR	5.00	Director	$0	$0	$0
RICK WEIDMAN	DIRECTOR	5.00	Director	$0	$0	$0
ADRIAN GUGLIELMO	SENIOR VP	40.00	Officer	$67,500	$0	$67,500
KEVIN BROWN RETIRED	FORMER OFFICER	40.00	Officer	$54,000	$0	$54,000

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
2020	$270,141	$391,870	$39,649	$-121,729
2019	$252,763	$267,555	$11,811	$-14,792

UNITED STATES VETERANS CHAMBER OF COMMERCE INC