GREATER HAVERHILL CHAMBER OF COMMERCE (EIN 041426880) - 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

1943

Legal Domicile

Principal Officer

ALISON DOLAN-WILSON

Phone

9783735663

Tax Period

2024-07-01 to 2025-06-30

GREATER HAVERHILL CHAMBER OF COMMERCE, founded in 1943, is a small nonprofit that reported $249K in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring.

Mission

TO DEVELOP, ENCOURAGE, PROMOTE, AND PROTECT THE COMMERCIAL, PROFESSIONAL, FINANCIAL, AND GENERAL BUSINESS INTEREST OF THE GREATER HAVERHILL AREA; TO PROMOTE THE CIVIC INTEREST AND GENERAL WELFARE OF THE COMMUNITY; TO EXTEND AND PROMOTE COMMERCE, AND FOSTER, AND PROTECT THE INDUSTRY OF THE GREATER HAVERHILL AREA; TO ENCOURAGE THE DEVELOPMENT OF THE TRANSPORTATION AND COMMUNICATION FACILITIES AND THE VARIOUS RESOURCES OF THE CITY AND AREA; AND TO PROCURE LAWS AND REGULATIONS DESIREABLE FOR THE BENEFIT OF BUSINESS REGARDING MATTERS AFFECTING ITS INTEREST.

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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 $163,836

Program Service Revenue $85,082

Investment Income $-262

Other Revenue $300

TOTAL REVENUE $248,956

Expense Breakdown

Grants Paid $0

Salaries & Benefits $152,272

Fundraising Expenses $0

Program Expenses $118,165

Other Expenses $99,417

TOTAL EXPENSES $251,689

Year-over-Year Comparison

	2024	2023	Change
Revenue	$248,956	$318,538	-0.2%
Expenses	$251,689	$309,747	-0.2%
Net Income	$-2,733	$8,791	-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

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

$130,926

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALISON DOLAN-WILSON	CHAIR	4.00	Officer Director	$0	$0	$0
JIM HENEBRY	TREASURER	4.00	Officer Director	$0	$0	$0
SETH CORDES	SECRETARY	4.00	Officer Director	$0	$0	$0
PENELOPE GUERRERO-PEREZ	DIRECTOR	4.00	Director	$0	$0	$0
FRAN BEVILACQUA III	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL CONNEELY	DIRECTOR	2.00	Director	$0	$0	$0
BEN CONSOLI	DIRECTOR	2.00	Director	$0	$0	$0
MARIA CUNHA	DIRECTOR	2.00	Director	$0	$0	$0
NANCY GARDELLA	DIRECTOR	2.00	Director	$0	$0	$0
KAVITA GOYAL	DIRECTOR	2.00	Director	$0	$0	$0
ALISON HEARTQUIST	DIRECTOR	2.00	Director	$0	$0	$0
MATTHEW JUROS	DIRECTOR	2.00	Director	$0	$0	$0
JENNIFER MATTHEWS	DIRECTOR	2.00	Director	$0	$0	$0
NOMSA NCUBE	DIRECTOR	2.00	Director	$0	$0	$0
LINDSAY PARIS	DIRECTOR	2.00	Director	$0	$0	$0
LYGIA SOARES	DIRECTOR	2.00	Director	$0	$0	$0
MICHAEL TRAVERSO	DIRECTOR	2.00	Director	$0	$0	$0
AIMEE TSAKIRELLIS	DIRECTOR	2.00	Director	$0	$0	$0
MARK VAN WEELDEN	DIRECTOR	2.00	Director	$0	$0	$0
CAROL WILSON	DIRECTOR	2.00	Director	$0	$0	$0
SHAW ROSEN	IMMEDIATE PAST CHAIR	4.00	Officer Director	$0	$0	$0
MANAL CHAKAR	DIRECTOR	2.00	Director	$0	$0	$0
ALEX EBERHARDT	PRESIDENT AND CEO THOUGH SEPT 2024	40.00	Officer	$103,735	$0	$103,735
KATHERINE MARTIN	INTERIM PRES. AND CEO THROUGH MARCH	40.00	Officer	$27,191	$0	$27,191
KATE COOK	PRESIDENT AND CEO	40.00	Officer	$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	$248,956	$251,689	$82,536	$-2,733
2024	$318,538	$309,747	$87,983	$8,791
2023	$409,042	$410,233	$81,667	$-1,191
2022	$253,508	$340,273	$79,927	$-86,765
2021	$388,135	$371,542	$169,612	$16,593
2020	$521,483	$467,226	$151,871	$54,257
2019	$478,893	$454,075	$98,425	$24,818

GREATER HAVERHILL CHAMBER OF COMMERCE