WILMINGTON CHAMBER OF COMMERCE (EIN 951378240) - 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

1924

Legal Domicile

Principal Officer

MOISES FIGUEROA

Phone

3108348586

Tax Period

2024-07-01 to 2025-06-30

WILMINGTON CHAMBER OF COMMERCE, founded in 1924, is a small nonprofit that reported $286K in total revenue in fiscal year 2024. Revenue surged 28% from the prior year, signaling strong growth momentum.

Mission

THE WILMINGTON CHAMBER OF COMMERCE PROMOTES, SUPPORTS AND ENHANCES A POSITIVE BUSINESS ENVIRONMENT AND IMPROVES THE QUALITY OF LIFE IN 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 $31,550

Program Service Revenue $252,633

Investment Income $1,718

Other Revenue $0

TOTAL REVENUE $285,901

Expense Breakdown

Grants Paid $0

Salaries & Benefits $136,810

Fundraising Expenses $0

Other Expenses $142,598

TOTAL EXPENSES $279,408

Year-over-Year Comparison

	2024	2023	Change
Revenue	$285,901	$222,827	+0.3%
Expenses	$279,408	$222,115	+0.3%
Net Income	$6,493	$712	+8.1%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MOISES FIGUEROA	PRESIDENT	N/A	Officer Director	$0	$0	$0
ROBERT MCKOY	SECRETARY	N/A	Officer Director	$0	$0	$0
JESSE F MORENO	CFO	N/A	Officer 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	$285,901	$279,408	$429,810	$6,493
2024	$222,827	$222,115	$479,045	$712
2023	$189,651	$227,187	$459,754	$-37,536
2022	$240,671	$221,903	$487,568	$18,768
2021	$124,775	$157,696	$557,487	$-32,921
2020	$171,459	$186,792	$515,669	$-15,333
2019	$207,278	$218,771	$515,330	$-11,493

WILMINGTON CHAMBER OF COMMERCE