GREENWICH CHAMBER OF COMMERCE INC

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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

1917

Legal Domicile

Principal Officer

EMILY NEWCAMP

Phone

2038693500

Tax Period

2024-01-01 to 2024-12-31

GREENWICH CHAMBER OF COMMERCE INC, founded in 1917, is a small nonprofit that reported $255K in total revenue in fiscal year 2024.

Mission

TO PROMOTE THE WELL-BEING OF THE BUSINESS COMMUNITY WITHIN GREENWICH WHILE MAINTAINING THE TOWN'S RESIDENTIAL INTEGRITY AND IMPROVING ITS QUALITY OF LIFE.

Program Service Accomplishments

Program 1

Expenses: $237,890

BUSINESS SHOWCASE: THE ANNUAL TABLETOP NETWORKING EVENT SHOWCASED 70 LOCAL EXHIBITORS INCLUDING RESTAURANTS AND OTHER BUSINESSES, WITH APPROXIMATELY 400 ATTENDEES FROM THE COMMUNITY ENJOYING FOOD...

BUSINESS SHOWCASE: THE ANNUAL TABLETOP NETWORKING EVENT SHOWCASED 70 LOCAL EXHIBITORS INCLUDING RESTAURANTS AND OTHER BUSINESSES, WITH APPROXIMATELY 400 ATTENDEES FROM THE COMMUNITY ENJOYING FOOD SAMPLES AND INFORMATION ABOUT THE BUSINESSES.

Program 2

Expenses: $7,268

SIDEWALK SALES: OVER 150 STORES IN THE GREENWICH DOWNTOWN AREA PARTICIPATED IN THE FOUR-DAY EVENT THAT DREW SHOPPERS FROM ALL OVER THE CONNECTICUT AND WESTCHESTER AREA AND BEYOND.

Program 3

Expenses: $16,380

GOLF OUTING: AN EVENT FOR NEARLY 100 GOLFERS INCLUDING A DAY OF GOLF AND A DINNER. SPONSORS AND PARTICIPANTS NOT ONLY NETWORKED BUT PROMOTED THE TOWN-OWNED GRIFFITH E. HARRIS GOLF COURSE.

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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 $129,220

Program Service Revenue $118,795

Investment Income $6,752

Other Revenue $0

TOTAL REVENUE $254,767

Expense Breakdown

Grants Paid $0

Salaries & Benefits $133,015

Fundraising Expenses $0

Program Expenses $261,538

Other Expenses $128,523

TOTAL EXPENSES $261,538

Year-over-Year Comparison

	2024	2023	Change
Revenue	$254,767	$245,806	+0.0%
Expenses	$261,538	$246,441	+0.1%
Net Income	$-6,771	$-635	+9.7%

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

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
KENDRA FARN	DIRECTOR	N/A	Director	$0	$0	$0
JEN DANZI	CHAIR-PROGRA	N/A	Director	$0	$0	$0
RICHARD GRANOFF	DIRECTOR	N/A	Director	$0	$0	$0
MARCIA OKANE	PRESIDENT AN	N/A	Officer Director	$0	$0	$0
PETER CARLSON	VICE CHAIRMA	N/A	Director	$0	$0	$0
RICK KRAL	DIRECTOR	N/A	Director	$0	$0	$0
EMILY NEWCAMP	TREASURER	N/A	Director	$0	$0	$0
GERARD SAGGESE III	DIRECTOR	N/A	Director	$0	$0	$0
MARGUERITE VAUCLAIR	DIRECTOR	N/A	Director	$0	$0	$0
NATHANIAL BARNUM	DIRECTOR	N/A	Director	$0	$0	$0
STACEY LOH	DIRECTOR	N/A	Director	$0	$0	$0
DANA MARNANE	DIRECTOR	N/A	Director	$0	$0	$0
BRUCE MCGUIRE	DIRECTOR	N/A	Director	$0	$0	$0
LORI CONTADINO	DIRECTOR	N/A	Director	$0	$0	$0
SEAN DOWLING	DIRECTOR	N/A	Director	$0	$0	$0
DIANE ROTH	DIRECTOR	N/A	Director	$0	$0	$0
STEVEN SHEALY	DIRECTOR	N/A	Director	$0	$0	$0
SHERRY HICKS-BUCKLES	DIRECTOR	N/A	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	$254,767	$261,538	$257,802	$-6,771
2023	$245,806	$246,441	$264,573	$-635
2022	$221,234	$234,114	$265,208	$-12,880