THE PLYMOUTH AREA CHAMBER OF COMMERCE I (EIN 042078732) - 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

1949

Legal Domicile

Principal Officer

AMY NAPLES

Phone

5088301620

Tax Period

2023-01-01 to 2023-12-31

THE PLYMOUTH AREA CHAMBER OF COMMERCE I, founded in 1949, is a small nonprofit that reported $702K in total revenue in fiscal year 2023.

Mission

TO ADVANCE BUSINESS AND COMMUNITY GROWTH AND DEVELOPMENT BY PROMOTING ECONOMIC PROGRAMS DESIGNED TO EXPAND TRADE INCOME POTENTIAL.

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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 (2023)

Revenue Breakdown

Contributions & Grants $297,894

Program Service Revenue $390,539

Investment Income $13,277

Other Revenue $0

TOTAL REVENUE $701,710

Expense Breakdown

Grants Paid $0

Salaries & Benefits $421,836

Fundraising Expenses $0

Program Expenses $567,675

Other Expenses $275,508

TOTAL EXPENSES $697,344

Year-over-Year Comparison

	2023	2022	Change
Revenue	$701,710	$666,910	+0.1%
Expenses	$697,344	$559,225	+0.2%
Net Income	$4,366	$107,685	-1.0%

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

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
AMY BELMORE	DIRECTOR	1.00	Director	$0	$0	$0
JORDAN CHABOT	DIRECTOR	1.00	Director	$0	$0	$0
CARA CIPULLO	DIRECTOR	1.00	Director	$0	$0	$0
STEPHEN COLE	DIRECTOR	1.00	Director	$0	$0	$0
VINNY DEMACEDO	DIRECTOR	1.00	Director	$0	$0	$0
LEA FILSON	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK FLAHERTY	DIRECTOR	1.00	Director	$0	$0	$0
SUE GIOVANETTI	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE GORDON	CHAIR	1.00	Officer Director	$0	$0	$0
SCOTT HOKANSON	VICE CHAIRMAN	1.00	Officer Director	$0	$0	$0
STACEY JORDAN	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN MCLAUGHLIN	DIRECTOR	1.00	Director	$0	$0	$0
KRISTIN MURATORE	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK O'BRIEN	TREASURER	1.00	Officer Director	$0	$0	$0
PATRICIA PIVA	DIRECTOR	1.00	Director	$0	$0	$0
JULIE THOMPSON	DIRECTOR	1.00	Director	$0	$0	$0
JEFF TRACY	DIRECTOR	1.00	Director	$0	$0	$0
TIFFONY CESERO	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN MCCOWAN	CLERK	1.00	Officer Director	$0	$0	$0
STEVIE KEITH	DIRECTOR	1.00	Director	$0	$0	$0
TONY AVENI	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN CAMPBELL	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN HOOD	DIRECTOR	1.00	Director	$0	$0	$0
KERRY KEARNEY	DIRECTOR	1.00	Director	$0	$0	$0
SANDRA SMITH	DIRECTOR	1.00	Director	$0	$0	$0
JONI TRAFICANTE	DIRECTOR	1.00	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
2024	No data	No data	No data	No data
2023	$701,710	$697,344	$443,362	$4,366
2022	$666,910	$559,225	$467,245	$107,685
2021	$574,834	$498,243	$366,329	$76,591
2020	$495,116	$519,434	$275,394	$-24,318
2019	$713,819	$670,488	$145,829	$43,331
2018	$592,515	$571,887	$110,629	$20,628

THE PLYMOUTH AREA CHAMBER OF COMMERCE I