NEPONSET VALLEY CHAMBER OF COMMERCE (EIN 046068526) - 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

1988

Legal Domicile

Principal Officer

THOMAS J O'ROURKE

Phone

7817691126

Tax Period

2023-01-01 to 2023-12-31

NEPONSET VALLEY CHAMBER OF COMMERCE, founded in 1988, is a small nonprofit that reported $298K in total revenue in fiscal year 2023. Expenses of $287K left a modest 4% surplus.

Mission

CHAMBER OF COMMERCE FOR MEMBER BUSINESSES, MUNICIPALITIES AND EDUCATIONAL INSTITUTIONS.

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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 $221,630

Program Service Revenue $76,263

Investment Income $0

Other Revenue $0

TOTAL REVENUE $297,893

Expense Breakdown

Grants Paid $0

Salaries & Benefits $153,495

Fundraising Expenses $0

Other Expenses $133,050

TOTAL EXPENSES $286,545

Year-over-Year Comparison

	2023	2022	Change
Revenue	$297,893	$300,286	0.0%
Expenses	$286,545	$271,239	+0.1%
Net Income	$11,348	$29,047	-0.6%

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

$100,443

Total Directors

$100,443

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THOMAS FLAHERTY	COUNSEL	0.50	Director	$0	$0	$0
THOMAS O' ROURKE	PRESIDENT	40.00	Officer Director	$100,443	$0	$100,443
JAMES DONELLON	TREASURER	0.50	Officer Director	$0	$0	$0
ROBERT FERRINI	PAST CHAIR	0.50	Officer Director	$0	$0	$0
TODD CHIPMAN	DIRECTOR	0.25	Director	$0	$0	$0
ANTHONY BROWN	DIRECTOR	0.25	Director	$0	$0	$0
SAL PERLA	DIRECTOR	0.25	Director	$0	$0	$0
MICHAEL KENNEDY	DIRECTOR	0.25	Director	$0	$0	$0
TIM MCCABE	VICE CHAIR	0.25	Officer Director	$0	$0	$0
MARY CHETWYND	DIRECTOR	0.25	Director	$0	$0	$0
MICHELLE LLORET	DIRECTOR	0.25	Director	$0	$0	$0
JULIE MOLLOY	CHAIR	0.25	Officer Director	$0	$0	$0
NICOLE ZEA	DIRECTOR	0.25	Director	$0	$0	$0
JILL ROSSETTI	DIRECTOR	0.25	Director	$0	$0	$0
TRICIA WHITE	DIRECTOR	0.25	Director	$0	$0	$0
ERIN HOOKER-THOMAS	DIRECTOR	0.25	Director	$0	$0	$0
KENNETH BERMAN	DIRECTOR	0.25	Director	$0	$0	$0
SHONDA SUMPTER	DIRECTOR	0.25	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$297,893	$286,545	$106,280	$11,348
2022	$300,286	$271,239	$97,688	$29,047
2021	$380,399	$358,492	$71,385	$21,907
2020	$255,833	$241,314	$55,446	$14,519
2019	$331,820	$347,115	$4,327	$-15,295
2018	$324,890	$304,265	$39,374	$20,625

NEPONSET VALLEY CHAMBER OF COMMERCE