CAPE COD CANAL REGION CHAMBER OF COMMERCE (EIN 042667169) - 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

1978

Legal Domicile

Principal Officer

STEPHEN PECK

Phone

5087596000

Tax Period

2024-01-01 to 2024-12-31

CAPE COD CANAL REGION CHAMBER OF COMMERCE, founded in 1978, is a small nonprofit that reported $229K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

NETWORKING, BUSINESS DEVELOPMENT, FUNDRAISING, COMMUNITY DEVELOPMENT

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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 $0

Program Service Revenue $118,106

Investment Income $1

Other Revenue $111,080

TOTAL REVENUE $229,187

Expense Breakdown

Grants Paid $0

Salaries & Benefits $158,127

Fundraising Expenses $0

Program Expenses $86,232

Other Expenses $67,352

TOTAL EXPENSES $225,479

Year-over-Year Comparison

	2024	2023	Change
Revenue	$229,187	$210,531	+0.1%
Expenses	$225,479	$245,100	-0.1%
Net Income	$3,708	$-34,569	-1.1%

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

N/A

Employees

N/A

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

Total Directors

$84,912

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOLENE CICCHESE	DIRECTOR	5.00	Director	$0	$0	$0
KELLY DUGGAN	DIRECTOR	5.00	Director	$0	$0	$0
ANNE EISENMENGER	DIRECTOR	5.00	Director	$0	$0	$0
HEATHER MEAD	DIRECTOR	5.00	Director	$0	$0	$0
JACQUELINE LAUTERBACH	DIRECTOR	5.00	Director	$0	$0	$0
BRENDAN AHERN	DIRECTOR	5.00	Director	$0	$0	$0
SHARON LUCIDO	DIRECTOR	5.00	Director	$0	$0	$0
TRACI MEDEIROS	DIRECTOR	5.00	Director	$0	$0	$0
ELEANOR WELLER	DIRECTOR	5.00	Director	$0	$0	$0
JOANNE SAYCE	DIRECTOR	5.00	Director	$0	$0	$0
DIANE GOMES	DIRECTOR	5.00	Director	$84,912	$0	$84,912
MARIE OLIVA	EXECUTIVE DIRECTOR	40.00	Director	$0	$0	$0
CARA CIPULLO	DIRECTOR	5.00	Director	$0	$0	$0
JILLIAN MORTON	DIRECTOR	5.00	Director	$0	$0	$0
PAULA ROCHE TAYLOR	DIRECTOR	5.00	Director	$0	$0	$0
MICHAEL LABRUN	DIRECTOR	5.00	Director	$0	$0	$0
TRACY MCCARTHY	DIRECTOR	5.00	Director	$0	$0	$0
JENNIFER MCGRAIL	PRESIDENT	5.00	Officer	$0	$0	$0
STEPHEN PECK	TREASURER	5.00	Officer	$0	$0	$0
AMANDA FOLEY	CLERK/SECRETARY	5.00	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
2024	$229,187	$225,479	$42,560	$3,708
2023	$210,531	$245,100	$52,256	$-34,569
2022	$235,019	$280,036	$76,744	$-45,017
2021	$178,589	$233,542	$56,898	$-54,953
2020	$192,658	$144,621	$64,667	$48,037
2019	$270,606	$218,619	$67,282	$51,987
2018	$160,388	$203,164	$48,391	$-42,776

CAPE COD CANAL REGION CHAMBER OF COMMERCE