GREATER EASTHAMPTON CHAMBER OF COMMERCE (EIN 046006554) - 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

1961

Legal Domicile

Principal Officer

DAN HAYES

Phone

4135279414

Tax Period

2025-01-01 to 2025-12-31

GREATER EASTHAMPTON CHAMBER OF COMMERCE, founded in 1961, is a small nonprofit that reported $156K in total revenue in fiscal year 2025. Revenue fell 67% from the prior year — a significant decline worth monitoring. Expenses of $193K exceeded revenue, resulting in a 24% operating deficit.

Mission

PROMOTING LOCAL BUSINESSES IN THE GREATER EASTHAMPTON COMMUNITY

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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 $13,632

Program Service Revenue $142,248

Investment Income $100

Other Revenue $0

TOTAL REVENUE $155,980

Expense Breakdown

Grants Paid $0

Salaries & Benefits $92,931

Fundraising Expenses $0

Other Expenses $99,800

TOTAL EXPENSES $192,731

Year-over-Year Comparison

	2025	2024	Change
Revenue	$155,980	$477,436	-0.7%
Expenses	$192,731	$188,649	+0.0%
Net Income	$-36,751	$288,787	-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

Employees

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
PASQUALINA AZZARELLO	DIRECTOR	1.00	Director	$0	$0	$0
GEN BROUGH	SECRETARY	2.00	Officer Director	$0	$0	$0
ERIN COUTURE	TREASURER	4.00	Officer Director	$0	$0	$0
MEGHAN CONNER DRAGON	DIRECTOR	1.00	Director	$0	$0	$0
DAN HAYES	PRESIDENT	4.00	Officer Director	$0	$0	$0
PETER HOLDEN	DIRECTOR	1.00	Director	$0	$0	$0
LAURIE LAMOUREUX	DIRECTOR	1.00	Director	$0	$0	$0
JEFF SWANSON	DIRECTOR	1.00	Director	$0	$0	$0
JULIE TUMAN	DIRECTOR	1.00	Director	$0	$0	$0
JESSICA WEST	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
2025	$155,980	$192,731	$573,494	$-36,751
2024	$477,436	$188,649	$644,113	$288,787
2023	$162,881	$154,514	$210,251	$8,367

GREATER EASTHAMPTON CHAMBER OF COMMERCE