Civic Intelligence

Eastern Monmouth Area Chamber Of

EIN 22-3619141 • 501(c)3 • Tinton Falls, NJ

Profile

Provide scholarship funds to eligible students

97 Apple Street Ste 8Tinton Falls, NJ 07724

www.emacc.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

83rd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

NTEE B82 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

82nd percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

NTEE B82 • <$500k nonprofits • Source year 2025

Net Margin

29th percentile

-10%

Higher net margin than 29% of similar nonprofits.

NTEE B82 • <$500k nonprofits • Source year 2025

Top Officer Pay

95th percentile

$0

Higher top officer pay than 95% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

NTEE B82 • <$500k nonprofits • Source year 2025

Asset Growth

39th percentile

-2.9%

Faster asset growth than 39% of similar nonprofits.

NTEE B82 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

28th percentile

-27%

Faster revenue growth than 28% of similar nonprofits.

NTEE B82 • <$500k nonprofits • Annualized from 2024 to 2025

Assets

Down

$71,763

Down $2,147 (-2.9%) from 2024

Liabilities

Flat

$0

Flat from 2024

Net Assets

Down

$71,763

Down $2,147 (-2.9%) from 2024

Revenue

Down

$20,920

Down $7,861 (-27%) from 2024

Expenses

Down

$23,067

Down $2,615 (-10%) from 2024

Net Income

Down

-$2,147

Down $5,246 (-169%) from 2024

Trend Graphs

Balance Sheet Trend

Grouped bars show assets, liabilities, and net assets across loaded filings.

$80K$60K$40K$20K$0Assets 2011: $48,339Net Assets 2011: $48,3392011Assets 2012: $28,217Net Assets 2012: $28,2172012Assets 2013: $36,191Net Assets 2013: $36,1912013Assets 2014: $47,182Liabilities 2014: $0Net Assets 2014: $47,1822014Assets 2015: $54,816Liabilities 2015: $0Net Assets 2015: $54,8162015Assets 2016: $60,099Liabilities 2016: $0Net Assets 2016: $60,0992016Assets 2017: $79,156Liabilities 2017: $0Net Assets 2017: $79,1562017Assets 2018: $71,350Liabilities 2018: $0Net Assets 2018: $71,3502018Assets 2019: $63,338Liabilities 2019: $0Net Assets 2019: $63,3382019Assets 2020: $62,298Liabilities 2020: $0Net Assets 2020: $62,2982020Assets 2021: $65,909Liabilities 2021: $0Net Assets 2021: $65,9092021Assets 2022: $67,601Liabilities 2022: $0Net Assets 2022: $67,6012022Assets 2023: $70,811Liabilities 2023: $0Net Assets 2023: $70,8112023Assets 2024: $73,910Liabilities 2024: $0Net Assets 2024: $73,9102024Assets 2025: $71,763Liabilities 2025: $0Net Assets 2025: $71,7632025

Highlighted filing

2025

Assets$71,763
Liabilities$0
Net Assets$71,763

Operations Trend

Revenue, expenses, and net income by year, with the latest filing highlighted.

$60K$40K$20K$0-$20KRevenue 2011: $24,002Expenses 2011: $17,800Net Income 2011: $6,2022011Revenue 2012: $17,117Expenses 2012: $19,603Net Income 2012: -$2,4862012Revenue 2013: $19,584Expenses 2013: $11,610Net Income 2013: $7,9742013Revenue 2014: $23,224Expenses 2014: $12,233Net Income 2014: $10,9912014Revenue 2015: $24,891Expenses 2015: $17,257Net Income 2015: $7,6342015Revenue 2016: $19,762Expenses 2016: $14,479Net Income 2016: $5,2832016Revenue 2017: $47,514Expenses 2017: $28,457Net Income 2017: $19,0572017Revenue 2018: $29,646Expenses 2018: $37,452Net Income 2018: -$7,8062018Revenue 2019: $30,340Expenses 2019: $38,352Net Income 2019: -$8,0122019Revenue 2020: $32,380Expenses 2020: $33,420Net Income 2020: -$1,0402020Revenue 2021: $34,507Expenses 2021: $30,896Net Income 2021: $3,6112021Revenue 2022: $29,590Expenses 2022: $27,898Net Income 2022: $1,6922022Revenue 2023: $33,779Expenses 2023: $30,569Net Income 2023: $3,2102023Revenue 2024: $28,781Expenses 2024: $25,682Net Income 2024: $3,0992024Revenue 2025: $20,920Expenses 2025: $23,067Net Income 2025: -$2,1472025

Highlighted filing

2025

Revenue$20,920
Expenses$23,067
Net Income-$2,147

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$71.8$0.00$71.8$20.9$23.1$2.15
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$73.9$0.00$73.9$28.8$25.7$3.10
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$70.8$0.00$70.8$33.8$30.6$3.21
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$67.6$0.00$67.6$29.6$27.9$1.69
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$65.9$0.00$65.9$34.5$30.9$3.61
2020Detailed filing. Detailed filing data is available for this year.$62.3$0.00$62.3$32.4$33.4$1.04
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$63.3$0.00$63.3$30.3$38.4$8.01
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$71.4$0.00$71.4$29.6$37.5$7.81
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$79.2$0.00$79.2$47.5$28.5$19.1
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$60.1$0.00$60.1$19.8$14.5$5.28
2015Detailed filing. Detailed filing data is available for this year.$54.8$0.00$54.8$24.9$17.3$7.63
2014Detailed filing. Detailed filing data is available for this year.$47.2$0.00$47.2$23.2$12.2$11.0
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$36.2$36.2$19.6$11.6$7.97
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$28.2$28.2$17.1$19.6$2.49
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$48.3$48.3$24.0$17.8$6.20
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jul 1, 2024 to Jun 30, 2025
Signed
Dec 12, 2025
Return Version
2024v5.2
Gross Receipts
$22,141
Mission and Program Overview

Mission

Provide scholarship funds to eligible students

Program Services

DescriptionGrantsExpenses
PROVIDE SCHOLARSHIP FUNDS TO ELIGIBLE STUDENTS$0$0
Compensation and Service Providers

Employees

NameTitleFull / Part TimeBaseOtherTotal
PETER PFISTERTHE CURCHIN GROUPChair-$0--
JACKELINE MEJIAS-FUERTESPast Chair-$0--
RICHARD ANGELODirector-$0--
ANDREA PLAZADirector-$0--
EMILY DAMIANO-PECKDirector-$0--
ANABEL ROJASDirector-$0--
COOPER LEWISTreasurer-$0--
Filing and Contact Details

Filer

Filer Name
Eastern Monmouth Area Chamber of
EIN
22-3619141
Phone
7327410055
Address
97 APPLE STREET STE 8, TINTON FALLS, NJ 07724

Signing Officer

Name
Peter Pfister
Title
Chair
Phone
7327410055
Signed
2025-12-12
Discuss with paid preparer
Yes

Preparer

Firm
The Curchin Group LLC
Address
200 SCHULZ DRIVE, RED BANK, NJ 07701
Preparer
Peter Pfister
Phone
7327470500
Supplemental Narrative

Additional Explanations

Form 990-ez, Part I, Line 8 - Other Revenue

Description: interest - cking acct. Amount: 2. Description: interest - morgan stanley. Amount: 3,066. Total to form 990-ez, line 8: 3,068.

Form 990-ez, Part I, Line 10 - Grants and Similar Amounts Paid

Activity classification: scholarships & grants. Grantee name: various individuals. Grantee address: 97 apple st ste 8 tinton falls, nj 07724. Grantee relationship: none. Amount given: 22,500.

Form 990-ez, Part I, Line 16 - Other Expenses

Description: misc. Expenses. Amount: 561. Description: paypal fees. Amount: 6. Total to form 990-ez, line 16: 567.

Raw XML Appendix194 raw XML fields

This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

Path#Value
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IRS990EZ/BooksInCareOfDetail/USAddress/CityNm0TINTON
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt00
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt60
IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm0PETER PFISTERTHE CURCHIN GROUP
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm2RICHARD ANGELO
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt3DIRECTOR
IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt4DIRECTOR
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IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt6TREASURER
IRS990EZ/OperateHospitalInd00
IRS990EZ/Organization501c3Ind0X
IRS990EZ/OrganizationDissolvedEtcInd00
IRS990EZ/OrganizationHadUBIInd00
IRS990EZ/OtherChangesInNetAssetsAmt00
IRS990EZ/OtherExpensesTotalAmt0567
IRS990EZ/OtherRevenueTotalAmt03068
IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt0NONE
IRS990EZ/PartVIOfCompOfHghstPdEmplTxt0NONE
IRS990EZ/PoliticalCampaignActyInd00
IRS990EZ/PrimaryExemptPurposeTxt0PROVIDE SCHOLARSHIP FUNDS TO ELIGIBLE STUDENTS
IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt0PROVIDE SCHOLARSHIP FUNDS TO ELIGIBLE STUDENTS
IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt00
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IRS990EZ/ProhibitedTaxShelterTransInd00
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IRS990EZ/SchoolOperatingInd00
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IRS990EZ/TaxImposedOnOrganizationMgrAmt00
IRS990EZ/TaxImposedUnderIRC4911Amt00
IRS990EZ/TaxImposedUnderIRC4912Amt00
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IRS990EZ/TaxReimbursedByOrganizationAmt00
IRS990EZ/TotalExpensesAmt023067
IRS990EZ/TotalRevenueAmt020920
IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd00
IRS990EZ/TypeOfOrganizationCorpInd0X
IRS990EZ/WebsiteAddressTxt0WWW.EMACC.ORG
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IRS990ScheduleA/GiftsGrantsContrisRcvd509Grp/CurrentTaxYearMinus1YearAmt025610
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IRS990ScheduleB/ContributorInformationGrp/ContributorBusinessName/BusinessNameLine10RESTRICTED
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0DESCRIPTION: INTEREST - CKING ACCT. AMOUNT: 2. DESCRIPTION: INTEREST - MORGAN STANLEY. AMOUNT: 3,066. TOTAL TO FORM 990-EZ, LINE 8: 3,068.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1ACTIVITY CLASSIFICATION: SCHOLARSHIPS & GRANTS. GRANTEE NAME: VARIOUS INDIVIDUALS. GRANTEE ADDRESS: 97 APPLE ST STE 8 TINTON FALLS, NJ 07724. GRANTEE RELATIONSHIP: NONE. AMOUNT GIVEN: 22,500.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2DESCRIPTION: MISC. EXPENSES. AMOUNT: 561. DESCRIPTION: PAYPAL FEES. AMOUNT: 6. TOTAL TO FORM 990-EZ, LINE 16: 567.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES
TransferPrsnlBnftContractsDecl/DeclarationDesc0THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT.
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd01
ReturnHeader/BusinessOfficerGrp/PersonNm0PETER PFISTER
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0CHAIR
ReturnHeader/BusinessOfficerGrp/PhoneNum07327410055
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-12-12
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0EASTERN MONMOUTH AREA CHAMBER OF
ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt0COMMERCE EDUCATIONAL FOUNDATION INC
ReturnHeader/Filer/BusinessNameControlTxt0EAST
ReturnHeader/Filer/EIN0223619141
ReturnHeader/Filer/PhoneNum07327410055
ReturnHeader/Filer/USAddress/AddressLine1Txt097 APPLE STREET STE 8
ReturnHeader/Filer/USAddress/CityNm0TINTON FALLS
ReturnHeader/Filer/USAddress/StateAbbreviationCd0NJ
ReturnHeader/Filer/USAddress/ZIPCd007724
ReturnHeader/IRSResponsiblePrtyInfoCurrInd00
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0611416081
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0THE CURCHIN GROUP LLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt0200 SCHULZ DRIVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0RED BANK
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0NJ
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd007701
ReturnHeader/PreparerPersonGrp/PhoneNum07327470500
ReturnHeader/PreparerPersonGrp/PreparationDt02025-12-12
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0PETER PFISTER
ReturnHeader/ReturnTs02025-12-12T09:35:08-06:00
ReturnHeader/ReturnTypeCd0990EZ
ReturnHeader/TaxPeriodBeginDt02024-07-01
ReturnHeader/TaxPeriodEndDt02025-06-30
ReturnHeader/TaxYr02024

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