MIDDLETOWN AREA CHAMBER OF COMMERCE FOUNDATION (EIN 900944432) - 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

2012

Legal Domicile

Principal Officer

MICHELLE GRAMLICH

Phone

3023787545

Tax Period

2024-07-01 to 2025-06-30

MIDDLETOWN AREA CHAMBER OF COMMERCE FOUNDATION, founded in 2012, is a small nonprofit in the Education sector that reported $136K in total revenue in fiscal year 2024. Revenue surged 92% from the prior year, signaling strong growth momentum. Expenses of $121K left a modest 11% surplus.

Mission

TO PROMOTE SMALL BUSINESS DEVELOPMENT IN MIDDLETOWN DELAWARE BY PROVIDING PROGRAMS THAT NURTURE SMALL AND MICRO BUSINESSES AND ENHANCE THE AVAILABLE WORKFORCE.

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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 $50,000

Program Service Revenue $85,906

Investment Income $0

Other Revenue $0

TOTAL REVENUE $135,906

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $3,639

Program Expenses $110,465

Other Expenses $121,315

TOTAL EXPENSES $121,315

Year-over-Year Comparison

	2024	2023	Change
Revenue	$135,906	$70,751	+0.9%
Expenses	$121,315	$37,339	+2.2%
Net Income	$14,591	$33,412	-0.6%

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	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBBIE AMENT	CHAIRMAN	1.00	Officer Director	$0	$0	$0
RICH MAZZIO	PRESIDENT	1.00	Officer Director	$0	$0	$0
PATRICK CARSON	DIRECTOR	1.00	Director	$0	$0	$0
KATRYNA CERA-PROUX	DIRECTOR	1.00	Director	$0	$0	$0
LYNDSAY MYERS	DIRECTOR	1.00	Director	$0	$0	$0
NICK RYAN	DIRECTOR	1.00	Director	$0	$0	$0
MARY JAMIESON	DIRECTOR	1.00	Director	$0	$0	$0
BILL O'NEAL	DIRECTOR	1.00	Director	$0	$0	$0
SITAL SONI	DIRECTOR	1.00	Director	$0	$0	$0
CAROLYN STANLEY	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
2025	$135,906	$121,315	$120,447	$14,591
2024	$70,751	$37,339	$102,767	$33,412
2023	$100,461	$102,000	$64,742	$-1,539
2022	$114,816	$115,814	$64,782	$-998
2021	$111,446	$109,177	$65,780	$2,269
2020	$121,495	$88,548	$113,411	$32,947
2018	$100,046	$117,750	$39,722	$-17,704

MIDDLETOWN AREA CHAMBER OF COMMERCE FOUNDATION