VERMONT ASSOCIATION OF CHAMBER OF COMMERCE EXECUTIVES (EIN 043355994) - 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

1997

Legal Domicile

Principal Officer

MATT HARRINGTON

Phone

8022233443

Tax Period

2025-01-01 to 2025-12-31

VERMONT ASSOCIATION OF CHAMBER OF COMMERCE EXECUTIVES, founded in 1997, is a micro nonprofit in the Community Improvement sector that reported $48K in total revenue in fiscal year 2025. Revenue decreased 17% compared to the prior year. Expenses of $54K exceeded revenue, resulting in a 11% operating deficit.

Mission

TO UNITE CHAMBER EMPLOYEES IN VT

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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 (2025)

Revenue Breakdown

Contributions & Grants $6,615

Program Service Revenue $0

Investment Income $41,592

Other Revenue $0

TOTAL REVENUE $48,207

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $53,750

TOTAL EXPENSES $53,750

Year-over-Year Comparison

	2025	2024	Change
Revenue	$48,207	$57,974	-0.2%
Expenses	$53,750	$50,173	+0.1%
Net Income	$-5,543	$7,801	-1.7%

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

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATT HARRINGTON	PRESIDENT	1.00	Director	$0	$0	$0
CAROL LIGHTHALL	VICE PRESIDENT	1.00	Director	$0	$0	$0
AMY SPEAR	MEMBER AT LARGE	1.00	Director	$0	$0	$0
LORELEE TESTER	MEMBER AT LARGE	1.00	Director	$0	$0	$0
HAVAH ARMSTRONG WALTHER	MEMBER AT LARGE	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
2025	$48,207	$53,750	$828,265	$-5,543
2024	No data	No data	No data	No data
2023	$19,386	$36,961	$1,531,278	$-17,575
2022	$19,402	$32,432	$1,653,665	$-13,030
2021	$12,951	$34,342	$1,700,420	$-21,391
2020	$20,223	$17,104	$1,817,531	$3,119
2019	$20,523	$33,163	$1,423,542	$-12,640
2018	$21,136	$75,345	$1,230,586	$-54,209

VERMONT ASSOCIATION OF CHAMBER OF COMMERCE EXECUTIVES