LINCOLN-WOODSTOCK CHAMBER COMMERCE (EIN 020256731) - 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

1986

Legal Domicile

Principal Officer

HILARY CALISTRO

Phone

6037456621

Tax Period

2024-10-01 to 2025-09-30

LINCOLN-WOODSTOCK CHAMBER COMMERCE, founded in 1986, is a small nonprofit that reported $300K in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year. Expenses of $282K left a modest 6% surplus.

Mission

TO ATTRACT NEW AND PROMOTE EXISTING BUSINESSES TO ENSURE THE ECONOMIC VITALITY OF LINCOLN-WOODSTOCK IN COOPERATION WITH, AND PROVIDING A BENEFIT FOR ITS MEMBERS' CIVIC, EDUCATIONAL, TRADITIONAL, FINANCIAL, AND ENVIRONMENTAL NEEDS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $59,833

Program Service Revenue $234,825

Investment Income $37

Other Revenue $5,487

TOTAL REVENUE $300,182

Expense Breakdown

Grants Paid $1,000

Salaries & Benefits $92,179

Fundraising Expenses $7,391

Program Expenses $249,146

Other Expenses $188,640

TOTAL EXPENSES $281,819

Year-over-Year Comparison

	2024	2023	Change
Revenue	$300,182	$331,588	-0.1%
Expenses	$281,819	$315,509	-0.1%
Net Income	$18,363	$16,079	+0.1%

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

$65,843

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KIMBERLY PICKERING	EXECUTIVE DI	40.00	Officer	$65,843	$0	$65,843
HILARY CALISTRO	PRESIDENT	2.00	Officer Director	$0	$0	$0
RENEE BLOOD	VICE PRESIDE	2.00	Director	$0	$0	$0
DEIGH CORMEIA	TREASURER	2.00	Officer Director	$0	$0	$0
DELIA SULLIVAN	SECRETARY	2.00	Officer Director	$0	$0	$0
KEVIN BELL	DIRECTOR	1.00	Director	$0	$0	$0
IGOR BILY	DIRECTOR	1.00	Director	$0	$0	$0
MARCUS COREY	DIRECTOR	1.00	Director	$0	$0	$0
JUSTIN LABARGE	DIRECTOR	1.00	Director	$0	$0	$0
MOLLY RICE-NORBY	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTIAN PARENTEAU	DIRECTOR	1.00	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
2025	$300,182	$281,819	$510,485	$18,363
2024	$331,588	$315,509	$524,882	$16,079
2023	$319,895	$284,956	$530,950	$34,939
2022	$271,102	$249,443	$532,665	$21,659
2021	$280,947	$210,424	$487,015	$70,523
2020	$314,062	$287,494	$371,885	$26,568
2019	$345,423	$346,840	$339,201	$-1,417
2018	$338,030	$333,524	$296,240	$4,506

LINCOLN-WOODSTOCK CHAMBER COMMERCE