THE CHAMBER OF COMMERCE OF THE TWO VIRGINIAS INC (EIN 831953921) - 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

2019

Legal Domicile

Principal Officer

JEFFREY DISIBBIO

Phone

3043277184

Tax Period

2024-01-01 to 2024-12-31

THE CHAMBER OF COMMERCE OF THE TWO VIRGINIAS INC, founded in 2019, is a small nonprofit in the Community Improvement sector that reported $317K in total revenue in fiscal year 2024. Revenue surged 45% from the prior year, signaling strong growth momentum.

Mission

TO PROMOTE THE ECONOMIC INTERESTS OF 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $307,108

Investment Income $0

Other Revenue $9,600

TOTAL REVENUE $316,708

Expense Breakdown

Grants Paid $0

Salaries & Benefits $132,732

Fundraising Expenses $0

Program Expenses $92,593

Other Expenses $191,832

TOTAL EXPENSES $324,564

Year-over-Year Comparison

	2024	2023	Change
Revenue	$316,708	$218,333	+0.5%
Expenses	$324,564	$235,618	+0.4%
Net Income	$-7,856	$-17,285	-0.5%

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

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

$98,532

Total Directors

$122,623

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFFREY DISIBBIO	PRESIDENT & CEO	40.00	Officer Director	$98,532	$0	$98,532
DEBORAH MAYNARD	EXECUTIVE ASSISTANT	40.00	Director	$24,091	$0	$24,091
DAVID KIRK	CHAIRMAN OF THE BOARD	1.00	Officer Director	$0	$0	$0
BEN RAMSEY	VICE CHAIR , GOVERNMENTAL	1.00	Officer Director	$0	$0	$0
KRISTEN FARLEY	VICE CHAIR, COMMUNITY ENGA	1.00	Officer Director	$0	$0	$0
EVA MCGUIRE	VICE CHAIR, EDUCATIONAL DI	1.00	Officer Director	$0	$0	$0
KRISTIE HANCOCK-CLIFTON	TREASURER	1.00	Officer Director	$0	$0	$0
STEFANIE COMPTON	VICE CHAIR , MEMBERSHIP DI	1.00	Officer Director	$0	$0	$0
ROGER TOPPINGS	VICE CHAIR , GOVERNMENTAL	1.00	Officer Director	$0	$0	$0
CARMEN HENDRICK	VICE CHAIR, BUSINESS & PRO	1.00	Officer Director	$0	$0	$0
MICHAEL JOHNSON	IMMEDIATE PAST CHAIR	1.00	Officer Director	$0	$0	$0
LEE ROSS	DIRECTOR	1.00	Director	$0	$0	$0
CECIL MARSON	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL WEBB	DIRECTOR	1.00	Director	$0	$0	$0
LISA DICKER	DIRECTOR	1.00	Director	$0	$0	$0
AMY CHILDRESS	DIRECTOR	1.00	Director	$0	$0	$0
KRIS HOWELL	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN WEBB	DIRECTOR	1.00	Director	$0	$0	$0
YVONNE MOSE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MICHAEL BOHON	DIRECTOR	1.00	Director	$0	$0	$0
ASHLEY SMILEY-WHITTAKER	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE WILLIAMS-HALL	DIRECTOR	1.00	Director	$0	$0	$0
TREVOR MULLINS	DIRECTOR	1.00	Director	$0	$0	$0
JIM OSBORNE	DIRECTOR	1.00	Director	$0	$0	$0
MARVIN WOODIE	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW HANSON	DIRECTOR	1.00	Director	$0	$0	$0
CRYSTAL CLINE	DIRECTOR	1.00	Director	$0	$0	$0
CRYSTAL MABE	DIRECTOR	1.00	Director	$0	$0	$0
CONNIE ALLEN	DIRECTOR	1.00	Director	$0	$0	$0
LEE LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
JENNY COLLIS	DIRECTOR	1.00	Director	$0	$0	$0
KATIE JENNINGS	DIRECTOR	1.00	Director	$0	$0	$0
KIM HERNANDEZ	DIRECTOR	1.00	Director	$0	$0	$0
SHERRI COX	DIRECTOR	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	$316,708	$324,564	$218,767	$-7,856
2023	$218,333	$235,618	$226,266	$-17,285
2022	$573,440	$440,672	$243,197	$132,768
2021	$233,060	$217,844	$110,104	$15,216
2020	$201,709	$218,072	$96,706	$-16,363
2019	$576,849	$657,560	$114,652	$-80,711

THE CHAMBER OF COMMERCE OF THE TWO VIRGINIAS INC