CAPE COD CHAMBER OF COMMERCE (EIN 041148920) - 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

1922

Legal Domicile

Principal Officer

PAUL NIEDZWIECKI

Phone

5083628634

Tax Period

2024-07-01 to 2025-06-30

CAPE COD CHAMBER OF COMMERCE, founded in 1922, is a community nonprofit that reported $3.2M in total revenue in fiscal year 2024. Revenue decreased 14% compared to the prior year. Expenses of $3.7M exceeded revenue, resulting in a 18% operating deficit.

Mission

CAPE COD CHAMBER OF COMMERCE ADVOCATES ON BEHALF OF BUSINESS TO STRENGHTEN AND PROMOTE REGIONAL ECONOMIC VITALITY WHILE ADDRESSING RELATED CULTURAL, ENVIRONMENTAL & COMMUNITY CONCERNS.

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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 $2,684,593

Program Service Revenue $397,818

Investment Income $66,108

Other Revenue $5,915

TOTAL REVENUE $3,154,434

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,650,345

Fundraising Expenses $5,236

Other Expenses $2,076,953

TOTAL EXPENSES $3,727,298

Year-over-Year Comparison

	2024	2023	Change
Revenue	$3,154,434	$3,683,255	-0.1%
Expenses	$3,727,298	$3,916,552	0.0%
Net Income	$-572,864	$-233,297	+1.5%

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

N/A

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
JAMES TENAGLIA	DIRECTOR	1.00	Director	$0	$0	$0
LISA OLIVER	CHAIR	2.00	Officer Director	$0	$0	$0
MIKE MIGLIORE	TREASURER	2.00	Officer Director	$0	$0	$0
PAULO PARAGUAY	VICE CHAIR	2.00	Officer Director	$0	$0	$0
DAVID TROUTMAN	DIRECTOR	1.00	Director	$0	$0	$0
MARTY BRUEMMEL	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS LAWSON	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE BOHLIN	DIRECTOR	1.00	Director	$0	$0	$0
BETSY RICH	DIRECTOR	1.00	Director	$0	$0	$0
COURTNEY LOWE	DIRECTOR	1.00	Director	$0	$0	$0
ANNE SCOTT-PUTNEY	CLERK	2.00	Officer Director	$0	$0	$0
LINDSAY COLE	DIRECTOR	1.00	Director	$0	$0	$0
CAROL EDMONDSON	DIRECTOR	1.00	Director	$0	$0	$0
TIM LUS	DIRECTOR	1.00	Director	$0	$0	$0
JOE PERKINS	DIRECTOR	1.00	Director	$0	$0	$0
MOLLY MACGREGOR	DIRECTOR	1.00	Director	$0	$0	$0
SARAH CHACE	DIRECTOR	1.00	Director	$0	$0	$0
ABBY OUR ROSE	DIRECTOR	1.00	Director	$0	$0	$0
JEFF WATSON	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT VANDERSALL	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE VEARA	DIRECTOR	1.00	Director	$0	$0	$0
TAMI JACOBOSN	DIRECTOR	1.00	Director	$0	$0	$0
PARTH PATEL	DIRECTOR	1.00	Director	$0	$0	$0
RICK PENN	DIRECTOR	1.00	Director	$0	$0	$0
JIM CONNOLLY	DIRECTOR	1.00	Director	$0	$0	$0
JON HAGENSTEIN	DIRECTOR	1.00	Director	$0	$0	$0
JOHN MCCARTHY	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN SKRICKIS	DIRECTOR	1.00	Director	$0	$0	$0
SARAH LAPSLEY MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
ED HARPER	DIRECTOR	1.00	Director	$0	$0	$0
PAUL NIEDZWIECKI	CEO	40.00	Highest	$202,025	$13,030	$215,055

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	$3,154,434	$3,727,298	$2,954,867	$-572,864
2024	$3,683,255	$3,916,552	$3,561,776	$-233,297
2023	$2,972,813	$2,927,104	$3,818,661	$45,709
2022	$2,968,171	$2,207,219	$3,798,635	$760,952
2021	$2,239,331	$1,831,093	$3,184,036	$408,238
2020	$2,237,910	$2,069,228	$2,773,209	$168,682
2019	$2,132,527	$2,108,720	$2,446,137	$23,807

CAPE COD CHAMBER OF COMMERCE