YARMOUTH CHAMBER OF COMMERCE

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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

1978

Legal Domicile

Principal Officer

MARSHALL WALLACH

Phone

2078463984

Tax Period

2023-01-01 to 2023-12-31

YARMOUTH CHAMBER OF COMMERCE, founded in 1978, is a small nonprofit that reported $432K in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year.

Mission

THE YARMOUTH CHAMBER OF COMMERCE PROVIDES SUPPORT TO LOCAL BUSINESSES AND COMMUNITY INCLUDING MULTIPLE PROGRAMS, ACTIVITIES, AND SCHOLARSHIPS.

Program Service Accomplishments

Program 1

THE YARMOUTH CLAM FESTIVAL HOSTED BY THE YARMOUTH CHAMBER OF COMMERCE IS HELD ANNUALLY ON THE THIRD WEEKEND IN JULY AND INCLUDES A PARADE, ENTERTAINMENT, ART SHOW, CRAFT SHOW, FOOD CIRCLE, CARNIVAL AND OTHER ACTIVITIES. THE YARMOUTH CLAM FESTIVAL PROVIDES AN ECONOMIC STIMILUS FOR AREA BUSINESSES AND LOCAL NON-PROFIT ORGANIZATIONS.

Program 2

YARMOUTH CHAMBER OF COMMERCE PROGRAMS THAT SUPPORT LOCAL BUSINESSES AND THE COMMUNITY INCLUDE BUSINESS AFTER HOURS, BREAKFAST AND LUNCH EVENTS, A GOLF TOURNAMENT AND A HOLIDAY PARTY. A PORTION OF...

YARMOUTH CHAMBER OF COMMERCE PROGRAMS THAT SUPPORT LOCAL BUSINESSES AND THE COMMUNITY INCLUDE BUSINESS AFTER HOURS, BREAKFAST AND LUNCH EVENTS, A GOLF TOURNAMENT AND A HOLIDAY PARTY. A PORTION OF FUNDS RECEIVED SUPPORT LOCAL SCHOLARSHIPS.

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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 (2023)

Revenue Breakdown

Contributions & Grants $123,685

Program Service Revenue $298,990

Investment Income $922

Other Revenue $8,599

TOTAL REVENUE $432,196

Expense Breakdown

Grants Paid $3,200

Salaries & Benefits $123,499

Fundraising Expenses $0

Other Expenses $298,969

TOTAL EXPENSES $425,668

Year-over-Year Comparison

	2023	2022	Change
Revenue	$432,196	$463,297	-0.1%
Expenses	$425,668	$435,516	0.0%
Net Income	$6,528	$27,781	-0.8%

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

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

$99,838

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIMOTHY A GATZ	EXECUTIVE DI	40.00	Officer	$60,958	$0	$60,958
SHAWNA C CHIGRO ROGERS	EXECUTIVE DI	40.00	Officer	$38,880	$0	$38,880
DANIEL FALKENBERG	DIRECTOR	0.50	Director	$0	$0	$0
HEIDI HALL	DIRECTOR	0.50	Director	$0	$0	$0
BENJAMIN JACKSON	DIRECTOR	0.50	Director	$0	$0	$0
KRISTINA KELSHAW	DIRECTOR	0.50	Director	$0	$0	$0
SCOTT LAFLAMME	SECRETARY	1.00	Officer Director	$0	$0	$0
MELISSA LIBBY	TREASURER	1.00	Officer Director	$0	$0	$0
CHRISTIANA MANN	PRESIDENT	1.00	Officer Director	$0	$0	$0
JILL PARTRIDGE	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
TIA SILVERIO	DIRECTOR	0.50	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
2024	No data	No data	No data	No data
2023	$432,196	$425,668	$217,118	$6,528
2022	$463,297	$435,516	$187,059	$27,781
2021	$112,773	$145,840	$205,699	$-33,067
2020	$75,021	$152,892	$218,195	$-77,871
2019	$407,385	$444,845	$257,589	$-37,460
2018	$380,444	$419,850	$257,521	$-39,406