GREATER SOMERSWORTH CHAMBER OF COMMERCE (EIN 020419085) - 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

CHRISTOPHER MAXWELL

Phone

6037497175

Tax Period

2019-01-01 to 2019-12-31

GREATER SOMERSWORTH CHAMBER OF COMMERCE, founded in 1986, is a small nonprofit that reported $123K in total revenue in fiscal year 2019. Revenue surged 65% from the prior year, signaling strong growth momentum. The organization ran a surplus of $33K, a strong 27% operating margin.

Mission

THE MISSION OF THE GREATER SOMERSWORTH CHAMBER OF COMMERCE SERVING BERWICK, NORTH BERWICK, ROLLINSFORD, SOMERSWORTH AND SOUTH BERWICK IS TO BE AN ACTIVE PARTNER IN IMPROVING THE ECONOMIC HEALTH, BUSINESS ENVIRONMENT AND VITALITY OF BERWICK, NORTH BERWICK, ROLLINSFORD, SOMERSWORTH AND SOUTH BERWICK. WE STRIVE TO PROMOTE BUSINESS THROUGH MEMBER SERVICES, EDUCATIONAL PROGRAMS, COOPERATIVE PARTNERSHIPS, AND LEGISLATIVE ADVOCACY THAT BALANCES PROSPERITY WITH THE QUALITY OF LIFE.

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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 (2019)

Revenue Breakdown

Contributions & Grants $25,779

Program Service Revenue $41,251

Investment Income $44,766

Other Revenue $11,658

TOTAL REVENUE $123,454

Expense Breakdown

Grants Paid $0

Salaries & Benefits $43,926

Fundraising Expenses $0

Program Expenses $18,378

Other Expenses $46,739

TOTAL EXPENSES $90,665

Year-over-Year Comparison

	2019	2018	Change
Revenue	$123,454	$74,778	+0.7%
Expenses	$90,665	N/A	N/A
Net Income	$32,789	$74,778	-0.6%

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

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

Total Directors

$1,847

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTOPHER MAXWELL	CHAIR	5.00	Director	$0	$0	$0
CAROLINE POPE	VICE-CHAIR	1.00	Director	$0	$0	$0
KATHY GUPTILL	SECRETARY	2.00	Director	$0	$0	$0
PATTY COFFIN	BOARD OF DIRECTORS	2.00	Director	$0	$0	$0
DEBORAH EVANS	BOARD OF DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL MUISE	BOARD OF DIRECTOR	2.00	Director	$0	$0	$0
KATHY SESSLER	BOARD OF DIRECTOR	2.00	Director	$0	$0	$0
ALLISON ST LAURENT	BOARD OF DIRECTOR	40.00	Director	$1,847	$0	$1,847

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	$123,454	$90,665	$119,912	$32,789

GREATER SOMERSWORTH CHAMBER OF COMMERCE