NORTH KINGSTOWN CHAMBER OF COMMERCE (EIN 050374594) - 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

1929

Legal Domicile

Phone

4012955566

Tax Period

2024-04-01 to 2025-03-31

NORTH KINGSTOWN CHAMBER OF COMMERCE, founded in 1929, is a small nonprofit that reported $530K in total revenue in fiscal year 2024. Revenue fell 34% from the prior year — a significant decline worth monitoring.

Mission

TO ADVOCATE, CONNECT AND INFORM AND ASSIST IN BUSINESS GROWTH IN THE TOWN OF NORTH KINGSTOWN AND THE STATE OF RHODE ISLAND

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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 $136,509

Program Service Revenue $393,072

Investment Income $868

Other Revenue $0

TOTAL REVENUE $530,449

Expense Breakdown

Grants Paid $273,948

Salaries & Benefits $163,199

Fundraising Expenses $17,767

Program Expenses $273,948

Other Expenses $134,691

TOTAL EXPENSES $571,838

Year-over-Year Comparison

	2024	2023	Change
Revenue	$530,449	$808,208	-0.3%
Expenses	$571,838	$854,278	-0.3%
Net Income	$-41,389	$-46,070	-0.1%

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
KEVIN ANDERSON	DIRECTOR	0.00	Director	$0	$0	$0
EVE CLULOW	CHAIR OF THE BOARD	10.00	Officer Director	$0	$0	$0
RICK LAVIOLETTE	DIRECTOR	0.00	Director	$0	$0	$0
RANDY WEITMAN	DIRECTOR	0.00	Director	$0	$0	$0
JULIA SIMONS	DIRECTOR	0.00	Director	$0	$0	$0
PATRICK SAGGAL	DIRECTOR	0.00	Director	$0	$0	$0
JUDITH NIEDBALA	DIRECTOR	0.00	Director	$0	$0	$0
JAMES HALLEY	DIRECTOR	0.00	Director	$0	$0	$0
MELISSA ANDERSON	SECRETARY	10.00	Officer Director	$0	$0	$0
MAJOR ADAM RINALDI	TRES	10.00	Officer Director	$0	$0	$0
JUSTIN COUTO	VICE CHARI	10.00	Officer Director	$0	$0	$0
KRISTEN URBACH	DIRECTOR	0.00	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	$530,449	$571,838	$217,930	$-41,389
2024	$808,208	$854,278	$196,430	$-46,070
2023	$509,430	$511,503	$231,194	$-2,073

NORTH KINGSTOWN CHAMBER OF COMMERCE