North Country Chamber of Commerce (EIN 020448954) - 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

2001

Legal Domicile

Principal Officer

Hannah Campbell

Phone

6032378939

Tax Period

2023-01-01 to 2023-12-31

North Country Chamber of Commerce, founded in 2001, is a micro nonprofit in the Community Improvement sector that reported $7K in total revenue in fiscal year 2023. Revenue fell 93% from the prior year — a significant decline worth monitoring. Expenses of $131K exceeded revenue, resulting in a 1874% operating deficit.

Mission

To advocate for businesses in Northern New Hampshire and Northeastern Vermont

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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 $31,533

Program Service Revenue $0

Investment Income $248

Other Revenue $-25,146

TOTAL REVENUE $6,635

Expense Breakdown

Grants Paid $0

Salaries & Benefits $76,748

Fundraising Expenses $0

Program Expenses $68,762

Other Expenses $54,245

TOTAL EXPENSES $130,993

Year-over-Year Comparison

	2023	2022	Change
Revenue	$6,635	$88,498	-0.9%
Expenses	$130,993	$108,095	+0.2%
Net Income	$-124,358	$-19,597	+5.3%

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

120

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
Hannah Campbell	President	2.00	Officer	$0	$0	$0
Sharon Belleville	Vice President	2.00	Officer	$0	$0	$0
Lisa Mulrey	Secretary	2.00	Officer	$0	$0	$0
Kelly Laperle	Treasurer	2.00	Officer	$0	$0	$0
Gilman Ladd	Director	1.00	Director	$0	$0	$0
Gail Hanson	Director	1.00	Director	$0	$0	$0
Mark Paluzzi	Director	1.00	Director	$0	$0	$0
Roxanne Herres	Director	1.00	Director	$0	$0	$0
Zachary Brown	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$6,635	$130,993	$62,551	$-124,358
2022	$88,498	$108,095	$186,815	$-19,597
2021	$162,460	$76,910	$207,360	$85,550
2020	$448,058	$413,834	$218,449	$34,224
2019	$323,472	$289,635	$179,123	$33,837

North Country Chamber of Commerce