NAUGATUCK CHAMBER OF COMMERCE INC (EIN 060565370) - 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

1922

Legal Domicile

Principal Officer

Lynn Ward

Phone

2037570701

Tax Period

2025-01-01 to 2025-12-31

NAUGATUCK CHAMBER OF COMMERCE INC, founded in 1922, is a small nonprofit that reported $299K in total revenue in fiscal year 2025. Revenue surged 21% from the prior year, signaling strong growth momentum.

Mission

The Naugatuck Chamber's mission is to create strategic partnerships and alliances between businesses and their markets and to speak and act on their behalf on matters of public interest

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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 $57,994

Program Service Revenue $235,962

Investment Income $5,129

Other Revenue $215

TOTAL REVENUE $299,300

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $0

Other Expenses $296,633

TOTAL EXPENSES $296,633

Year-over-Year Comparison

	2025	2024	Change
Revenue	$299,300	$247,333	+0.2%
Expenses	$296,633	$262,643	+0.1%
Net Income	$2,667	$-15,310	-1.2%

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
Joe Caligiuri	Director	1	Director	$0	$0	$0
Tim Carr	Secretary	1	Officer Director	$0	$0	$0
John Ford	Director	1	Director	$0	$0	$0
Kevin McSherry	Director	1	Director	$0	$0	$0
Lynn Ward	President/CEO	10	Officer Director	$0	$0	$0
Sherri Beck	Director	1	Director	$0	$0	$0
Adam Bronko	Vice Chairman	1	Officer Director	$0	$0	$0
Laura Chetlen	Director	1	Director	$0	$0	$0
Tom McDonald	Treasurer	1	Officer Director	$0	$0	$0
Chet Doheny	Chairman	1	Officer Director	$0	$0	$0
Katie Rowland	Director	1	Director	$0	$0	$0
Sorrina Salvatore	Director	1	Director	$0	$0	$0
Melissa Schmitt	Director	1	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	$299,300	$296,633	$100,978	$2,667
2024	$247,333	$262,643	$98,311	$-15,310
2023	$285,703	$275,277	$113,621	$10,426
2022	$278,845	$253,634	$103,195	$25,211
2020	$168,807	$168,807	$86,374	No data
2019	$242,221	$229,823	$86,374	$12,398
2018	$237,892	$221,854	$73,976	$16,038

NAUGATUCK CHAMBER OF COMMERCE INC