SEBAGO LAKES REGION CHAMBER OF COMMERCE (EIN 010361797) - 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

1979

Legal Domicile

Principal Officer

AMBER RANKINE

Phone

2078928265

Tax Period

2023-10-01 to 2024-09-30

SEBAGO LAKES REGION CHAMBER OF COMMERCE, founded in 1979, is a small nonprofit that reported $176K in total revenue in fiscal year 2023.

Mission

THE MISSION OF THE SEBAGO LAKES REGION CHAMBER OF COMMERCE IS TO FOSTER AND SUSTAIN ECONOMIC GROWTH AND PROSPERITY THROUGHOUT OUR REGION BY PROMOTING COMMERCE THROUGH MARKETING, ADVOCACY, NETWORKING AND EDUCATION, IN A MANNER THAT ENHANCES THE COMMUNITIES WE REPRESENT.

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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 $102,181

Program Service Revenue $49,577

Investment Income $10

Other Revenue $24,575

TOTAL REVENUE $176,343

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $99,160

Fundraising Expenses $0

Other Expenses $79,007

TOTAL EXPENSES $180,167

Year-over-Year Comparison

	2023	2022	Change
Revenue	$176,343	$184,674	0.0%
Expenses	$180,167	$200,414	-0.1%
Net Income	$-3,824	$-15,740	-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

$56,285

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER ARSENAULT	IMMEDIATE PAST CHAIR	2.00	Officer Director	$0	$0	$0
BARBARA MAURAIS	DIRECTOR	2.00	Director	$0	$0	$0
JOE MCLEAN	CORPORATE CLERK	2.00	Officer Director	$0	$0	$0
SHELLI PRIDE	1ST VICE CHAIR	2.00	Officer Director	$0	$0	$0
LAURIE NOEL	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL PARADISE	DIRECTOR	2.00	Director	$0	$0	$0
PETE NEELON	DIRECTOR	2.00	Director	$0	$0	$0
ELIZABETH HALL	DIRECTOR	2.00	Director	$0	$0	$0
DAVID POLLARD	DIRECTOR	2.00	Director	$0	$0	$0
MARCEL VACHON	DIRECTOR	2.00	Director	$0	$0	$0
JONATHAN PRIEST	BOARD CHAIR	2.00	Officer Director	$0	$0	$0
DR TED ROGERS	DIRECTOR	2.00	Director	$0	$0	$0
CHRISTINE WILLIAMS	DIRECTOR	2.00	Director	$0	$0	$0
RICHARD VRAUX	DIRECTOR	2.00	Director	$0	$0	$0
TRICIA ZWIRNER	SECRETARY	2.00	Officer Director	$0	$0	$0
MAXWELL BANGS	TREASURER	2.00	Officer Director	$0	$0	$0
MICHAEL SPLANE	DIRECTOR	2.00	Director	$0	$0	$0
MAUREEN MAZUR	DIRECTOR	2.00	Director	$0	$0	$0
MAUREEN LASALLE	DIRECTOR	2.00	Director	$0	$0	$0
ROBIN MULLINS	PRESIDENT - CEO	40.00	Officer	$56,285	$0	$56,285

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	$176,343	$180,167	$43,145	$-3,824
2023	$184,674	$200,414	$44,451	$-15,740
2022	$109,914	$143,154	$53,456	$-33,240
2021	$170,953	$165,247	$86,139	$5,706
2020	$186,252	$142,955	$80,996	$43,297
2019	$143,702	$143,834	$37,703	$-132
2018	$136,260	$149,150	$38,154	$-12,890

SEBAGO LAKES REGION CHAMBER OF COMMERCE