MARBLEHEAD CHAMBER OF COMMERCE INC (EIN 042210613) - 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

1948

Legal Domicile

Principal Officer

CANDICE BISHOP

Phone

7816312686

Tax Period

2023-10-01 to 2024-09-30

MARBLEHEAD CHAMBER OF COMMERCE INC, founded in 1948, is a small nonprofit that reported $120K in total revenue in fiscal year 2023.

Mission

PROMOTION OF TOWN OF MARBLEHEAD BUSINESSES

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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 $60,872

Program Service Revenue $58,816

Investment Income $0

Other Revenue $0

TOTAL REVENUE $119,688

Expense Breakdown

Grants Paid $0

Salaries & Benefits $87,539

Fundraising Expenses $0

Other Expenses $32,017

TOTAL EXPENSES $119,556

Year-over-Year Comparison

	2023	2022	Change
Revenue	$119,688	$119,090	+0.0%
Expenses	$119,556	$118,464	+0.0%
Net Income	$132	$626	-0.8%

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
DANIEL BROTHERS	DIRECTOR	1.00	Director	$0	$0	$0
CANDICE BISHOP CONLON	TREASURER	1.00	Director	$0	$0	$0
N/A	SECRETARY	1.00	Director	$0	$0	$0
N/A	VICE EPRESIDENT	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
N/A	DIRECTOR	1.00	Director	$0	$0	$0
CARA JOHNSON	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	$119,688	$119,556	$50,055	$132
2023	$119,090	$118,464	$37,276	$626
2022	$103,476	$106,402	$38,048	$-2,926
2021	$86,186	$74,536	$52,159	$11,650
2020	$121,754	$113,317	$40,217	$8,437

MARBLEHEAD CHAMBER OF COMMERCE INC