ST JOHN VALLEY CHAMBER OF COMMERCE & TOURISM (EIN 010381163) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1980

Legal Domicile

Principal Officer

GAIL BEAUPRE

Phone

2077287000

Tax Period

2018-07-01 to 2019-06-30

ST JOHN VALLEY CHAMBER OF COMMERCE & TOURISM is a tax-exempt nonprofit with EIN 010381163, based in MADAWASKA, ME. Founded in 1980, the organization files IRS Form 990 and reported its most recent data for fiscal year 2018. In that period, it reported $50,934 in total revenue and $42,154 in total expenses, with net assets of $27,880.

Mission

THE MISSION OF THE ORGINIZATION IS TO ADVANCE THE COMMERCIAL, INDUSTRIAL AND CIVIC INTEREST AND TOURISM IN MADAWASKA AND SURROUNDING COMMUNITIES

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2018)

Revenue Breakdown

Contributions & Grants $22,633

Program Service Revenue $0

Investment Income $3

Other Revenue $28,298

TOTAL REVENUE $50,934

Expense Breakdown

Grants Paid $0

Salaries & Benefits $16,668

Fundraising Expenses $0

Other Expenses $25,486

TOTAL EXPENSES $42,154

Year-over-Year Comparison

	2018	2017	Change
Revenue	$50,934	$55,757	-0.1%
Expenses	$42,154	$69,366	-0.4%
Net Income	$8,780	$-13,609	-1.6%

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

N/A

Employees

N/A

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

$16,668

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDA FORBES	Director	1.00	Director	$0	$0	$0
ANDREW DUBE	Director	1.00	Director	$0	$0	$0
LIZA LAJOIE	Director	1.00	Director	$0	$0	$0
DEANNE COTE	Director	1.00	Director	$0	$0	$0
GAIL BEAUPRE	President	5.00	Officer	$0	$0	$0
LOIS MULLER	Vice President	1.00	Officer	$0	$0	$0
PATRICIA BEAULIEU	Secretary	2.00	Officer	$0	$0	$0
APRIL HODGSON	Treasurer	10.00	Officer	$0	$0	$0
JENNIFER COLLIN	Executive Dir.	25.00	Officer	$16,668	$0	$16,668

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
2019	$50,934	$42,154	$30,818	$8,780

ST JOHN VALLEY CHAMBER OF COMMERCE & TOURISM