CENTRAL MASS SOUTH THE CHAMBER AT THE CROSSROADS OF NEW ENGLAND INC

EIN: 041851915

STURBRIDGE, MA

Total Revenue
$152,868
Total Expenses
$176,838
Total Assets
$64,391
Net Assets
$-24,468
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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
1994
Legal Domicile
MA
Principal Officer
EMILY KLAMM
Phone
5083472761
Tax Period
2023-09-01 to 2024-08-31

CENTRAL MASS SOUTH THE CHAMBER AT THE CROSSROADS OF NEW ENGLAND INC, founded in 1994, is a small nonprofit that reported $153K in total revenue in fiscal year 2023. Revenue decreased 19% compared to the prior year. Expenses of $177K exceeded revenue, resulting in a 16% operating deficit.

Mission

PROMOTION OF AREA COMMERCE.

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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 (2023)

Revenue Breakdown

Contributions & Grants $65,970
Program Service Revenue $84,398
Investment Income $0
Other Revenue $2,500
TOTAL REVENUE $152,868

Expense Breakdown

Grants Paid $3,593
Salaries & Benefits $95,011
Fundraising Expenses $0
Program Expenses $87,014
Other Expenses $78,234
TOTAL EXPENSES $176,838

Year-over-Year Comparison

2023 2022 Change
Revenue $152,868 $189,152 -0.2%
Expenses $176,838 $185,430 0.0%
Net Income $-23,970 $3,722 -7.4%
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

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Governance

Voting Members
17
Independent Members
17
Employees
2
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
2
$0
Total Directors
1
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
SEE ATTACHED VARIOUS 0.50
Officer Director
$0 $0 $0
EMILY KLAMM CHAIR 0.50
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
2024 $152,868 $176,838 $64,391 $-23,970
2023 $189,152 $185,430 $81,084 $3,722
2022 $193,873 $179,132 $66,779 $14,741
2021 $111,999 $145,785 $82,716 $-33,786
2020 $161,467 $163,452 $96,419 $-1,985
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