AMHERST AREA CHAMBER OF COMMERCE (EIN 042388764) - 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

1956

Legal Domicile

Principal Officer

HEIDI FLANDERS

Phone

4132530700

Tax Period

2024-01-01 to 2024-12-31

AMHERST AREA CHAMBER OF COMMERCE, founded in 1956, is a small nonprofit that reported $344K in total revenue in fiscal year 2024. Revenue grew 8% year-over-year, indicating healthy expansion. Expenses of $293K left a modest 15% surplus.

Mission

TO PROMOTE EDUCATIONAL, CIVIC, SOCIAL, COMMERCIAL, AGRICULTURAL AND ECONOMIC WELFARE OF THE PEOPLE OF AMHERST, MASSACHUSETTS & VICINITY; TO PRESERVE AND DISTRIBUTE CIVIC EDUCATIONAL INFORMATION.

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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 $129,617

Program Service Revenue $172,508

Investment Income $1,065

Other Revenue $40,601

TOTAL REVENUE $343,791

Expense Breakdown

Grants Paid $10,585

Salaries & Benefits $120,615

Fundraising Expenses $0

Other Expenses $162,111

TOTAL EXPENSES $293,311

Year-over-Year Comparison

	2024	2023	Change
Revenue	$343,791	$317,029	+0.1%
Expenses	$293,311	$308,698	0.0%
Net Income	$50,480	$8,331	+5.1%

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

$66,075

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
HEIDI FLANDERS	PRESIDENT	2.00	Officer Director	$0	$0	$0
KISHORE PARMAR	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
ROBIN BROWN	TREASURER	2.00	Officer Director	$0	$0	$0
MIREAM ALEXANDRIA LAGUERRA SIERRA	SECRETARY	2.00	Officer Director	$0	$0	$0
MAURA GUZIK	SECRETARY "PAST"	2.00	Officer Director	$0	$0	$0
SARAH BARR	DIRECTOR	1.00	Director	$0	$0	$0
NANCY BUFFONE	DIRECTOR	1.00	Director	$0	$0	$0
SEAN CLEARY	DIRECTOR	1.00	Director	$0	$0	$0
KAREN DUNN	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE FITZGIBBON	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL GAY	DIRECTOR "PAST"	1.00	Director	$0	$0	$0
LYNN GRAY	DIRECTOR "PAST"	1.00	Director	$0	$0	$0
ARTHUR HASKINS	DIRECTOR	1.00	Director	$0	$0	$0
LISA JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
BENJAMIN PALKOWSKI	DIRECTOR	1.00	Director	$0	$0	$0
KATHLEEN PLANTE	DIRECTOR	1.00	Director	$0	$0	$0
SAMANTHA PLEASANT	DIRECTOR "PAST"	1.00	Director	$0	$0	$0
STEVEN PROTHERS	DIRECTOR	1.00	Director	$0	$0	$0
BARRY ROBERTS	DIRECTOR	1.00	Director	$0	$0	$0
JONATHAN SCULLY	DIRECTOR	1.00	Director	$0	$0	$0
FUNGAI TICHAWANGANA	DIRECTOR	1.00	Director	$0	$0	$0
AELAN TIERNEY	DIRECTOR	1.00	Director	$0	$0	$0
JESSICA WEST	DIRECTOR	1.00	Director	$0	$0	$0
SHERRI WILLEY	DIRECTOR	1.00	Director	$0	$0	$0
JACOB ROBINSON	EXECUTIVE DIRECTOR	40.00	Officer	$51,154	$0	$51,154
CLAUDIA PAZMANY	EXECUTIVE DIRECTOR "PAST"	40.00	Officer	$14,921	$0	$14,921

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	No data	No data	No data	No data
2024	$343,791	$293,311	$202,870	$50,480
2023	$317,029	$308,698	$149,768	$8,331
2022	$304,598	$299,722	$127,744	$4,876
2021	$270,488	$262,910	$127,548	$7,578
2020	$213,005	$188,038	$107,108	$24,967
2019	$227,176	$237,224	$83,721	$-10,048
2018	$206,560	$164,591	$87,252	$41,969
2017	$258,563	$251,559	$74,814	$7,004

AMHERST AREA CHAMBER OF COMMERCE