CENTRAL VERMONT CHAMBER OF COMMERCE INC (EIN 030230263) - 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

1971

Legal Domicile

Principal Officer

JEANNETTE KINGSBURY

Phone

8022295711

Tax Period

2024-01-01 to 2024-12-31

CENTRAL VERMONT CHAMBER OF COMMERCE INC, founded in 1971, is a small nonprofit that reported $382K in total revenue in fiscal year 2024. Revenue surged 30% from the prior year, signaling strong growth momentum. The organization ran a surplus of $67K, a strong 18% operating margin.

Mission

PROMOTE BUSINESS OPPORTUNITIES

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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 $0

Program Service Revenue $211,347

Investment Income $100,527

Other Revenue $70,448

TOTAL REVENUE $382,322

Expense Breakdown

Grants Paid $2,100

Salaries & Benefits $188,492

Fundraising Expenses $0

Program Expenses $119,998

Other Expenses $124,720

TOTAL EXPENSES $315,312

Year-over-Year Comparison

	2024	2023	Change
Revenue	$382,322	$293,481	+0.3%
Expenses	$315,312	$311,984	+0.0%
Net Income	$67,010	$-18,503	-4.6%

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

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

$76,169

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN ESCHELBACH	President	40.00	Officer	$76,169	$0	$76,169
JOSHUA LAFRANCE	CHAIR	1.00	Officer Director	$0	$0	$0
ASHLEY EBERLY	VC MARKETING	1.00	Officer Director	$0	$0	$0
KEITH LACROIX	Treasurer	1.00	Officer Director	$0	$0	$0
JD GREEN	Director	1.00	Director	$0	$0	$0
GRETCHEN DEHART	PAST CHAIR	1.00	Officer Director	$0	$0	$0
ANNIE RIELLY	Director	1.00	Director	$0	$0	$0
KIM STINSON	Director	1.00	Director	$0	$0	$0
THOMAS BADOWSKI	Director	1.00	Director	$0	$0	$0
HILLARY PAYNE	Director	1.00	Director	$0	$0	$0
JOHN FARR	VC EVENTS	1.00	Officer 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	$382,322	$315,312	$683,018	$67,010
2023	$293,481	$311,984	$685,974	$-18,503
2022	$292,601	$341,997	$683,365	$-49,396
2021	$300,959	$314,134	$716,888	$-13,175
2020	$269,467	$272,231	$683,037	$-2,764
2019	$304,079	$369,027	$688,869	$-64,948

CENTRAL VERMONT CHAMBER OF COMMERCE INC