GREATER DOVER 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

1920

Legal Domicile

Principal Officer

MARGARET JOYCE

Phone

6037422218

Tax Period

2023-01-01 to 2023-12-31

GREATER DOVER CHAMBER OF COMMERCE, founded in 1920, is a small nonprofit that reported $452K in total revenue in fiscal year 2023.

Mission

PROMOTION OF THE GREATER DOVER, NEW HAMPSHIRE AREA

Program Service Accomplishments

Program 1

Expenses: $404,589

PROGRAMS AND EVENTS AUTHORIZED BY THE BOARD OF DIRECTORS FOR THE PROMOTION AND ADVANCEMENT OF THE GREATER DOVER, NEW HAMPSHIRE AREA

Program 2

Expenses: $2,013

A 1,000 SCHOLARSHIP IS GIVEN FOR POST-SECONDARY EDUCATION TO A STUDENT WHO DEMONSTRATES LEADERSHIP IN THE COMMUNITY, AND A 1,000 AWARD IS GIVEN TO AN INDIVIDUAL WHO IS SELECTED AS EDUCATOR OF THE...

A 1,000 SCHOLARSHIP IS GIVEN FOR POST-SECONDARY EDUCATION TO A STUDENT WHO DEMONSTRATES LEADERSHIP IN THE COMMUNITY, AND A 1,000 AWARD IS GIVEN TO AN INDIVIDUAL WHO IS SELECTED AS EDUCATOR OF THE YEAR.

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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 $162,874

Program Service Revenue $271,347

Investment Income $10,105

Other Revenue $7,847

TOTAL REVENUE $452,173

Expense Breakdown

Grants Paid $2,250

Salaries & Benefits $270,216

Fundraising Expenses $0

Program Expenses $406,602

Other Expenses $216,897

TOTAL EXPENSES $489,363

Year-over-Year Comparison

	2023	2022	Change
Revenue	$452,173	$427,480	+0.1%
Expenses	$489,363	$472,255	+0.0%
Net Income	$-37,190	$-44,775	-0.2%

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

200

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

$104,548

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DR MIKE COOLEDGE	CHAIR	4.00	Officer Director	$0	$0	$0
IAN ONEAIL	CHAIR ELECT	4.00	Officer Director	$0	$0	$0
BENJAMIN LORD	VICE CHAIR	4.00	Officer Director	$0	$0	$0
BRIEANNA PETTENGILL	TREASURER	4.00	Officer Director	$0	$0	$0
RENEE TOUHEY-CHILDRESS	PAST CHAIR	2.00	Officer Director	$0	$0	$0
CHRISTOPHER PARKER	DIRECTOR AT-	2.00	Officer Director	$0	$0	$0
ABBY SYKAS KAROUTAS	DIRECTOR AT	2.00	Officer Director	$0	$0	$0
SCOTT BEHAN	DIRECTOR	1.00	Director	$0	$0	$0
DIANE CARROLL	DIRECTOR	1.00	Director	$0	$0	$0
AMANDA GAGNE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN GILBERT	DIRECTOR	1.00	Director	$0	$0	$0
ABBY LAMOTHE	DIRECTOR	1.00	Director	$0	$0	$0
SHAWN OLSTEN	DIRECTOR	1.00	Director	$0	$0	$0
DARIN ROARK	DIRECTOR	1.00	Director	$0	$0	$0
GLENN SABALEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL BLANCHETTE	DIRECTOR	1.00	Director	$0	$0	$0
BENJAMIN BRADLEY	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN FOLEY	DIRECTOR	1.00	Director	$0	$0	$0
KELLY GLENNON	DIRECTOR	1.00	Director	$0	$0	$0
MARGARET JOYCE	PRESIDENT	40.00	Officer	$87,829	$16,719	$104,548

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	$452,173	$489,363	$746,834	$-37,190
2022	$427,480	$472,255	$791,034	$-44,775
2021	$498,402	$435,781	$864,811	$62,621
2020	$402,774	$419,747	$654,237	$-16,973
2019	$491,816	$468,835	$696,159	$22,981
2018	$496,637	$474,500	$680,042	$22,137