Greater Gardner Chamber of Commerce

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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

1929

Legal Domicile

Phone

9786321780

Tax Period

2025-01-01 to 2025-12-31

Greater Gardner Chamber of Commerce, founded in 1929, is a small nonprofit that reported $277K in total revenue in fiscal year 2025. Expenses of $256K left a modest 8% surplus.

Mission

TO PROVIDE OPPORTUNITIES AND GROWTH FOR BUSINESSES IN CITY OF GARDNER AND SURROUNDING TOWNS

Program Service Accomplishments

Program 1

TO PROVIDE OPPORTUNITIES AND GROWTH FOR BUSINESSES IN CITY OF GARDNER AND SURROUNDING TOWNS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $88,306

Program Service Revenue $160,671

Investment Income $5,009

Other Revenue $23,107

TOTAL REVENUE $277,093

Expense Breakdown

Grants Paid $0

Salaries & Benefits $111,682

Fundraising Expenses $0

Other Expenses $143,828

TOTAL EXPENSES $255,510

Year-over-Year Comparison

	2025	2024	Change
Revenue	$277,093	$272,449	+0.0%
Expenses	$255,510	$237,680	+0.1%
Net Income	$21,583	$34,769	-0.4%

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

$87,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rebecca Marois	President & CEO	N/A	Officer	$87,400	$0	$87,400
Jacob Cormier	Chair	N/A	Officer Director	$0	$0	$0
Kevin Tomasetti	Immediate Past Chair	N/A	Officer Director	$0	$0	$0
Allysha Jess	Treasure	N/A	Officer Director	$0	$0	$0
Christof Chartier	Chair Elect	N/A	Officer Director	$0	$0	$0
Mike Budwick	Director	N/A	Director	$0	$0	$0
Magnus Carlberg	Director	N/A	Director	$0	$0	$0
Gregory Cebular	Director	N/A	Director	$0	$0	$0
Kimberly Drudi	Director	N/A	Director	$0	$0	$0
Paula Lawrence	Director	N/A	Director	$0	$0	$0
Randy Lawrence	Secretary	N/A	Officer Director	$0	$0	$0
Amy Fantoni	Director	N/A	Director	$0	$0	$0
John Flick	Director	N/A	Director	$0	$0	$0
Jeffrey Gallant	Director	N/A	Director	$0	$0	$0
Mary Ellen Larkin	Director	N/A	Director	$0	$0	$0
Todd Mandella	Director	N/A	Director	$0	$0	$0
Amanda Melanson	Director	N/A	Director	$0	$0	$0
Kandi Perry	Director	N/A	Director	$0	$0	$0
Jeffey Roberge	Director	N/A	Director	$0	$0	$0
Marcy Silva	Director	N/A	Director	$0	$0	$0
Gabrielle Surrette	Director	N/A	Director	$0	$0	$0
Rhoda Zbikowski	Director	N/A	Director	$0	$0	$0
Carla Zottoli	Director	N/A	Director	$0	$0	$0
Stacey Kazinskas	Director	N/A	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	$277,093	$255,510	$178,598	$21,583
2024	No data	No data	No data	No data
2023	$246,678	$212,209	$122,246	$34,469
2022	$242,107	$227,337	$90,426	$14,770
2021	$270,339	$281,650	$76,042	$-11,311
2019	$255,990	$247,380	$28,219	$8,610
2018	$235,252	$240,647	$19,698	$-5,395