SILVERDALE CHAMBER OF COMMERCE (EIN 910911216) - 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

1973

Legal Domicile

Principal Officer

DAVID EMMONS

Phone

3606926800

Tax Period

2022-01-01 to 2022-06-30

SILVERDALE CHAMBER OF COMMERCE, founded in 1973, is a small nonprofit that reported $138K in total revenue in fiscal year 2022. Revenue fell 47% from the prior year — a significant decline worth monitoring. Expenses of $160K exceeded revenue, resulting in a 16% operating deficit.

Mission

PROMOTING SILVERDALE AREA LOCAL BUSINESS 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 (2022)

Revenue Breakdown

Contributions & Grants $164,718

Program Service Revenue $0

Investment Income $0

Other Revenue $-26,468

TOTAL REVENUE $138,250

Expense Breakdown

Grants Paid $0

Salaries & Benefits $97,719

Fundraising Expenses $0

Other Expenses $62,299

TOTAL EXPENSES $160,018

Year-over-Year Comparison

	2022	2021	Change
Revenue	$138,250	$259,883	-0.5%
Expenses	$160,018	$253,282	-0.4%
Net Income	$-21,768	$6,601	-4.3%

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

$48,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KATHLEEN ARNDT	DIRECTOR	5.00	Director	$0	$0	$0
JOEL BAXTER	DIRECTOR	5.00	Director	$0	$0	$0
DAVE MONTOURE	DIRECTOR	5.00	Director	$0	$0	$0
RICK SOPER	DIRECTOR	10.00	Director	$0	$0	$0
AMANDA SMITH	DIRECTOR	5.00	Director	$0	$0	$0
CARY BOZEMAN	DIRECTOR	5.00	Director	$0	$0	$0
TIFFANY DESAVEUR	DIRECTOR	5.00	Director	$0	$0	$0
SUSUAN LARSEN	DIRECTOR	5.00	Director	$0	$0	$0
BREANE MARTINEZ	DIRECTOR	5.00	Director	$0	$0	$0
JAY MILLS	DIRECTOR	5.00	Director	$0	$0	$0
JASON RITTER-LOPATOWSKI	DIRECTOR	5.00	Director	$0	$0	$0
ASHLEY OAKSMITH	DIRECTOR	5.00	Director	$0	$0	$0
TIFFNAY SCHENK	DIRECTOR	5.00	Director	$0	$0	$0
CHRISTOPHER STANIS	EX-OFFICIO	5.00	Director	$0	$0	$0
SHAUNA WASHBURN	DIRECTOR	5.00	Director	$0	$0	$0
DAVID EMMONS	CEO	40.00	Officer	$48,250	$0	$48,250
JENNIFER STRONG	TREASURER	5.00	Officer	$0	$0	$0
JOHN MORRISSEY	CHAIR	5.00	Officer	$0	$0	$0
AMY ZINKHON	SECRETARY	5.00	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
2022	$138,250	$160,018	No data	$-21,768
2021	$259,883	$253,282	$109,787	$6,601
2020	$232,039	$228,546	$93,406	$3,493
2019	$234,775	$245,725	$101,588	$-10,950
2018	$209,155	$196,715	$99,981	$12,440

SILVERDALE CHAMBER OF COMMERCE