CAMBRIDGE CHAMBER OF COMMERCE

EIN: 041144780

CAMBRIDGE, MA

Total Revenue
$840,920
Total Expenses
$914,854
Total Assets
$962,464
Net Assets
$953,238
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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
1928
Legal Domicile
MA
Principal Officer
DAVID MAHER
Phone
6178764100
Tax Period
2025-01-01 to 2025-12-31

CAMBRIDGE CHAMBER OF COMMERCE, founded in 1928, is a small nonprofit that reported $841K in total revenue in fiscal year 2025.

Mission

THE MISSION OF THE CAMBRIDGE CHAMBER OF COMMERCE IS TO MAKE CAMBRIDGE A BETTER PLACE IN WHICH TO LIVE, TO WORK, TO DO BUSINESS, TO VISIT AND TO STUDY.

Program Service Accomplishments

Program 1

THE CHAMBER PROVIDES MEMBERSHIP TO LOCAL BUSINESSES TO PROVIDE THEM THE ABILITY TO CONNECT WITH ITS LOCAL COMMUNITY TO OBTAIN PRODUCTS, SERVICES, CLIENTS AND EMPLOYEES. THE CHAMBER CONNECTS ITS...

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THE CHAMBER PROVIDES MEMBERSHIP TO LOCAL BUSINESSES TO PROVIDE THEM THE ABILITY TO CONNECT WITH ITS LOCAL COMMUNITY TO OBTAIN PRODUCTS, SERVICES, CLIENTS AND EMPLOYEES. THE CHAMBER CONNECTS ITS MEMBERS LARGE AND SMALL WITH THE PEOPLE, PRODUCTS, AND SERVICES NECESSARY TO SUCCEED. THE CHAMBER'S ABILITY TO PROVIDE THE RESOURCES THAT ALL COMPANIES NEED AND SHARE IS UNMATCHED BY ANY OTHER BUSINESS ORGANIZATION IN THE CITY. THE CHAMBER IS THE CONDUIT THROUGH WHICH MANY CAMBRIDGE BUSINESSES ACCESS OPPORTUNITIES AND FUNNEL RESOURCES INTO CAMBRIDGE SCHOOLS AND NONPROFIT ORGANIZATIONS.THE CHAMBER OFFERS MANY VENUES FOR COMPANIES TO CONNECT TO OTHER MEMBERS AND THE GENERAL PUBLIC INCLUDING COMMITTEES, NETWORKING EVENTS, PUBLICATIONS AND PROFESSIONAL DEVELOPMENT WORKSHOPS. THROUGH ITS PROGRAMS AND EVENTS, THE CHAMBER ENABLES MEMBERS TO DEVELOP PERSONALLY AND PROFESSIONALLY. THE CHAMBER'S EDUCATIONAL PROGRAMMING PROVIDES OPPORTUNITIES TO BUILD NEW RELATIONSHIPS, DISCOVER AND DISCUSS TOPICS VITAL TO SUCCESS IN TODAY'S BUSINESS WORLD, AND MEET WITH LEADING BUSINESS, POLITICAL AND PUBLIC FIGURES WHO INFLUENCE THE REGION'S ECONOMY.

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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 $337,404
Program Service Revenue $387,887
Investment Income $115,629
Other Revenue $0
TOTAL REVENUE $840,920

Expense Breakdown

Grants Paid $0
Salaries & Benefits $633,722
Fundraising Expenses $0
Other Expenses $281,132
TOTAL EXPENSES $914,854

Year-over-Year Comparison

2025 2024 Change
Revenue $840,920 $843,399 0.0%
Expenses $914,854 $936,175 0.0%
Net Income $-73,934 $-92,776 -0.2%
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
27
Independent Members
26
Employees
7
Volunteers
78

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
6
$232,755
Total Directors
27
$232,755
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
DAVID MAHER PRESIDENT/CEO 40.00
Officer Director
$223,835 $8,920 $232,755
KATHERINE RAFFERTY CHAIR 1.00
Officer Director
$0 $0 $0
MICHELLE CONSALVO VICE CHAIR 1.00
Officer Director
$0 $0 $0
ROBYN CULBERTSON VICE CHAIR 1.00
Officer Director
$0 $0 $0
PAUL LEE TREASURER 1.00
Officer Director
$0 $0 $0
SUSAN MARTIN SECRETARY 1.00
Officer Director
$0 $0 $0
ALEX ATTIA DIRECTOR 0.50
Director
$0 $0 $0
KEN BARRON DIRECTOR 0.50
Director
$0 $0 $0
DENNIS BENZAN DIRECTOR 0.50
Director
$0 $0 $0
TIM BOMBARD DIRECTOR 0.50
Director
$0 $0 $0
KARA COURNOYER DIRECTOR 0.50
Director
$0 $0 $0
JULIE COX DIRECTOR 0.50
Director
$0 $0 $0
SARAH GALLOP DIRECTOR 0.50
Director
$0 $0 $0
MICHAEL GULESERIAN DIRECTOR 0.50
Director
$0 $0 $0
SEAN HOPE DIRECTOR 0.50
Director
$0 $0 $0
DARRIN KORTE DIRECTOR 0.50
Director
$0 $0 $0
MICHELLE LOWER DIRECTOR 0.50
Director
$0 $0 $0
THOMAS LUCEY DIRECTOR 0.50
Director
$0 $0 $0
JIM MCSWEENEY DIRECTOR 0.50
Director
$0 $0 $0
SHARMIL MODI DIRECTOR 0.50
Director
$0 $0 $0
CARL NAGY-KOECHLIN DIRECTOR 0.50
Director
$0 $0 $0
KRINA PATEL DIRECTOR 0.50
Director
$0 $0 $0
WAYNE PATENAUDE DIRECTOR 0.50
Director
$0 $0 $0
ELIZABETH SCHWAB DIRECTOR 0.50
Director
$0 $0 $0
CHRIS STEPHEN DIRECTOR 0.50
Director
$0 $0 $0
JOE SULTAN DIRECTOR 0.50
Director
$0 $0 $0
JASON WRIGHT DIRECTOR 0.50
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 $840,920 $914,854 $962,464 $-73,934
2024 $843,399 $936,175 $1,015,341 $-92,776
2023 $699,354 $811,887 $1,084,356 $-112,533
2022 $661,978 $758,683 $1,246,781 $-96,705
2021 $825,721 $640,194 $1,439,769 $185,527
2020 $499,808 $616,785 $1,332,927 $-116,977
2019 $804,336 $855,408 $1,202,866 $-51,072
2018 $609,963 $735,749 $1,182,948 $-125,786
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