CHESTER-ANDOVER FAMILY CENTER

EIN: 030349433 501(c)(3) Human Services

Chester, VT

Total Revenue
$207,492
Total Expenses
$217,211
Total Assets
$710,135
Net Assets
$707,042
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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
1996
Legal Domicile
VT
Principal Officer
Anne Lamb
Phone
8028753236
Tax Period
2025-01-01 to 2025-12-31

CHESTER-ANDOVER FAMILY CENTER, founded in 1996, is a small nonprofit in the Human Services sector that reported $207K in total revenue in fiscal year 2025. Net assets of $707K represent 41 months of operating reserves.

Mission

CAFC's mission is to make a difference in our community by providing resources for financial assistance, supplemental and nutritional food, affordable clothing and household goods to individuals and families in need.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $108,317
Program Service Revenue $81,355
Investment Income $9,291
Other Revenue $8,529
TOTAL REVENUE $207,492

Expense Breakdown

Grants Paid $45,568
Salaries & Benefits $44,394
Fundraising Expenses $2,248
Program Expenses $160,326
Other Expenses $127,249
TOTAL EXPENSES $217,211

Year-over-Year Comparison

2025 2024 Change
Revenue $207,492 $200,245 +0.0%
Expenses $217,211 $162,786 +0.3%
Net Income $-9,719 $37,459 -1.3%
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

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Governance

Voting Members
11
Independent Members
11
Employees
2
Volunteers
45

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
4
$0
Total Directors
10
$0
Key Employees
2
$40,934
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
Michael Antonowicz Thrift Shop Manager 25
Key Emp Highest
$31,628 $0 $31,628
Rylie Groves Food Shelf Manager 25.00
Key Emp
$9,306 $0 $9,306
Anne Lamb President 10
Officer Director
$0 $0 $0
Nancy Dourney Vice-President 10
Officer Director
$0 $0 $0
Suellen Slater Treasurer 10
Officer Director
$0 $0 $0
Polly Montgomery Secretary 10
Officer Director
$0 $0 $0
David Carey Director 5
Director
$0 $0 $0
Charmaine Wesley Hartman Director 5
Director
$0 $0 $0
Anne Henshaw Director 5
Director
$0 $0 $0
Kris Winnicki Director 5
Director
$0 $0 $0
Kathy Carpenter Director 5
Director
$0 $0 $0
Julian Sottovia Director 5
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 $207,492 $217,211 $710,135 $-9,719
2024 $200,245 $162,786 $716,761 $37,459
2023 $183,986 $122,665 $679,302 $61,321
2022 $159,377 $110,420 $618,079 $48,957
2021 $142,209 $103,063 $569,122 $39,146
2020 $206,914 $101,870 $529,956 $105,044
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