ANDROSCOGGIN VALLEY CHAMBER OF COMMERCE (EIN 020337909) - 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

1985

Legal Domicile

Principal Officer

JANET NICKERSON

Phone

6037526060

Tax Period

2024-01-01 to 2024-12-31

ANDROSCOGGIN VALLEY CHAMBER OF COMMERCE, founded in 1985, is a micro nonprofit that reported $98K in total revenue in fiscal year 2024.

Mission

TO PROMOTE AREA BUSINESS

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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 $91,385

Program Service Revenue $0

Investment Income $47

Other Revenue $6,501

TOTAL REVENUE $97,933

Expense Breakdown

Grants Paid $0

Salaries & Benefits $58,306

Fundraising Expenses $0

Program Expenses $136,224

Other Expenses $36,853

TOTAL EXPENSES $95,159

Year-over-Year Comparison

	2024	2023	Change
Revenue	$97,933	$102,081	0.0%
Expenses	$95,159	$89,026	+0.1%
Net Income	$2,774	$13,055	-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

200

Independent Members

200

Employees

Volunteers

145

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRONSON FRIZZELL	DIRECTOR	2.00	Director	$0	$0	$0
DIANA BERTHIAUME	SECRETARY	2.00	Officer	$0	$0	$0
JULIE COONEY	TREASURER	2.00	Officer	$0	$0	$0
CARISSA DUPONT	DIRECTOR	2.00	Director	$0	$0	$0
HEATHER ALDRICH	DIRECTOR	2.00	Director	$0	$0	$0
NATHAN STYLES	DIRECTOR	2.00	Director	$0	$0	$0
DAN TRUE	V PRESIDENT	2.00	Officer	$0	$0	$0
LORI MORIN	DIRECTOR	2.00	Director	$0	$0	$0
GEORGE MCDONOUCH	DIRECTOR	2.00	Director	$0	$0	$0
KIMBERLY POIRIER	DIRECTOR	2.00	Director	$0	$0	$0
NORMAN THIBODEAU	DIRECTOR	2.00	Director	$0	$0	$0
JANET NICKERSON	PRESIDENT	2.00	Officer	$0	$0	$0
CRYSTAL WHALEN	DIRECTOR	2.00	Director	$0	$0	$0
JONATHAN SAPIENZA	DIRECTOR	2.00	Director	$0	$0	$0
PAULA KINNEY	EXECUTIVE DIRECTOR	40.00	Officer Key Emp Highest	$0	$0	$0
SAMANTHA ST ONGE	DIRECTOR	2.00	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	No data	No data	No data	No data
2024	$97,933	$95,159	$190,117	$2,774
2023	$102,081	$89,026	$208,330	$13,055
2022	$88,768	$92,830	$226,429	$-4,062
2021	$104,310	$110,908	$223,693	$-6,598
2020	$100,041	$101,827	$235,001	$-1,786

ANDROSCOGGIN VALLEY CHAMBER OF COMMERCE