Southwestern Vermont Chamber of Commerce (EIN 030199419) - 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

1911

Legal Domicile

Principal Officer

Matthew Harrington

Phone

8024473311

Tax Period

2024-01-01 to 2024-12-31

Southwestern Vermont Chamber of Commerce, founded in 1911, is a small nonprofit in the Community Improvement sector that reported $624K in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion.

Mission

To promote commerce and tourism in the Southwestern region of 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 (2024)

Revenue Breakdown

Contributions & Grants $123,928

Program Service Revenue $396,183

Investment Income $5,320

Other Revenue $98,726

TOTAL REVENUE $624,157

Expense Breakdown

Grants Paid $0

Salaries & Benefits $482,710

Fundraising Expenses $0

Other Expenses $164,660

TOTAL EXPENSES $647,370

Year-over-Year Comparison

	2024	2023	Change
Revenue	$624,157	$536,125	+0.2%
Expenses	$647,370	$547,511	+0.2%
Net Income	$-23,213	$-11,386	+1.0%

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

150

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

$95,972

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Matt Harrington	Executive Dir.	40.00	Officer	$95,972	$0	$95,972
Shannon McLenithan	President	4.00	Officer Director	$0	$0	$0
Bill Deveneau	Treasurer	2.00	Officer Director	$0	$0	$0
Nancy Kozoil	Vice President	1.00	Director	$0	$0	$0
Erica Lawrence	Vice President	1.00	Director	$0	$0	$0
Brenda Jones	Ex Officio	1.00	Director	$0	$0	$0
Maru Leon Griffin	Director	1.00	Director	$0	$0	$0
Tom Dailey	Director	1.00	Director	$0	$0	$0
Mark Grossarth	Director	1.00	Director	$0	$0	$0
Mary Morrissey	Director	1.00	Director	$0	$0	$0
Caryn Packard	Director	1.00	Director	$0	$0	$0
TR Paquin	Director	1.00	Director	$0	$0	$0
Tammie Reilly	Director	1.00	Director	$0	$0	$0
Lilli Williams	Director	1.00	Director	$0	$0	$0
Rob Bahny	Director	1.00	Director	$0	$0	$0
Sarah Linford	Director	1.00	Director	$0	$0	$0
Sean Osborne	Director	1.00	Director	$0	$0	$0
Carolyn Gilbert	SYP Chair	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
2024	$624,157	$647,370	$344,574	$-23,213
2023	$536,125	$547,511	$321,631	$-11,386
2022	$502,750	$501,634	$335,209	$1,116
2021	$539,645	$477,192	$339,250	$62,453
2020	$398,826	$400,679	$285,399	$-1,853
2019	$485,766	$522,899	$123,539	$-37,133
2018	$447,127	$459,987	$185,578	$-12,860

Southwestern Vermont Chamber of Commerce