ST CLAIR AREA CHAMBER FOUNDATION

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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

2020

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

ST CLAIR AREA CHAMBER FOUNDATION, founded in 2020, is a micro nonprofit in the Community Improvement sector that reported $27K in total revenue in fiscal year 2023. The organization ran a surplus of $10K, a strong 37% operating margin.

Mission

TO EDUCATE AND DEVELOP THE ECONOMIC, CIVIC, CULTURAL AND SOCIAL WELFARE FOR THE ST CLAIR FRANKLIN COUNTY AREA

Program Service Accomplishments

Program 1

Expenses: $17,176

AWARDED SCHOLARSHIP,PAID INSURANCE AND MORTGAGE ON PROPERTY,DONATED FUNDS RAISED TO CITY FOR ALL INCLUSIVE PLAYGROUND EQUIPMENTCO SPONSORED WITH CITY 4TH OF JULY CELEBRATION ON FOUNDATION PROPERTY

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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 $27,305

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $27,305

Expense Breakdown

Grants Paid $3,305

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $17,176

Other Expenses $13,871

TOTAL EXPENSES $17,176

Year-over-Year Comparison

	2023	2022	Change
Revenue	$27,305	N/A	N/A
Expenses	$17,176	N/A	N/A
Net Income	$10,129	N/A	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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
CHARLENE SALING	EXECUTIVE DIRECTOR	Director	$0	$0	$0
CLAYTON BUCKTHORPE	SECRETARY TREASURER	Officer	$0	$0	$0
CHRISTINE DULWORTH	VICE PRESIDENT	Officer	$0	$0	$0
TIMOTHY DAVIS	PRESIDENT	Officer	$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	$27,305	$17,176	$366,034	$10,129
2022	$15,000	$14,799	$365,549	$201
2021	$110,000	$3,204	$373,196	$106,796