Biddeford and Saco Chamber of Commerce and Industr (EIN 010029480) - 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

1927

Legal Domicile

Tax Period

2020-01-01 to 2020-12-31

Biddeford and Saco Chamber of Commerce and Industr, founded in 1927, is a small nonprofit that reported $160K in total revenue in fiscal year 2020. Revenue decreased 18% compared to the prior year.

Mission

An association of businesses and organizations formed to foster a strong local economy and a quality of life which will encourage peaople to visit, live and work in the Biddeford-Saco area.

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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 (2020)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $159,680

Investment Income $0

Other Revenue $0

TOTAL REVENUE $159,680

Expense Breakdown

Grants Paid $0

Salaries & Benefits $96,556

Fundraising Expenses $0

Program Expenses $163,337

Other Expenses $66,781

TOTAL EXPENSES $163,337

Year-over-Year Comparison

	2020	2019	Change
Revenue	$159,680	$195,827	-0.2%
Expenses	$163,337	$194,951	-0.2%
Net Income	$-3,657	$876	-5.2%

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
Jeff Cabral	Member	2.00	Director	$0	$0	$0
Allison Kenty	Member	2.00	Director	$0	$0	$0
Dan Philbrick	Member	2.00	Director	$0	$0	$0
Cathy Stackpole	Member	2.00	Director	$0	$0	$0
David Johnson	Member	2.00	Director	$0	$0	$0
Haley Thompson	Member	2.00	Director	$0	$0	$0
Laura Warner	Member	2.00	Director	$0	$0	$0
Bill Doyle	Member	2.00	Director	$0	$0	$0
Alan Casavant	Member	2.00	Director	$0	$0	$0
James Bennett	Member	2.00	Director	$0	$0	$0
Peter Scontras	Secretary	5.00	Officer Director	$0	$0	$0
Lori Cote	Chair	10.00	Officer Director	$0	$0	$0
Kelly Fowler	Member-Exec	4.00	Officer Director	$0	$0	$0
Marshall Archer	Member-Exec	4.00	Officer Director	$0	$0	$0
Andy Kany	Member-Exec	4.00	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
2020	$159,680	$163,337	$6,992	$-3,657
2019	$195,827	$194,951	$10,649	$876
2018	$218,183	$225,726	$9,773	$-7,543

Biddeford and Saco Chamber of Commerce and Industr