WEST HARTFORD CHAMBER OF COMMERCE (EIN 060615839) - 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

1908

Legal Domicile

Principal Officer

CHIP JANISZEWSKI

Phone

8605212300

Tax Period

2024-07-01 to 2025-06-30

WEST HARTFORD CHAMBER OF COMMERCE, founded in 1908, is a small nonprofit that reported $293K in total revenue in fiscal year 2024. Revenue grew 14% year-over-year, indicating healthy expansion.

Mission

TO ENCOURAGE THE DEVELOPMENT OF BUSINESS AND ENHANCE THE QUALITY OF LIFE IN OUR 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 (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $236,500

Investment Income $2,139

Other Revenue $54,399

TOTAL REVENUE $293,038

Expense Breakdown

Grants Paid $0

Salaries & Benefits $208,545

Fundraising Expenses $0

Program Expenses $292,429

Other Expenses $83,884

TOTAL EXPENSES $292,429

Year-over-Year Comparison

	2024	2023	Change
Revenue	$293,038	$256,521	+0.1%
Expenses	$292,429	$266,838	+0.1%
Net Income	$609	$-10,317	-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	Role	Reportable Comp	Other Comp	Total
CHIP JANISZEWSKI	IMMEDIATE PAST CHAIRPERSON	Officer Director	$0	$0	$0
CHRISTOPHER CLARKE	CHAIRPERSON	Officer Director	$0	$0	$0
CHUCK COURSEY	1ST VICE CHAIRPERSON	Officer Director	$0	$0	$0
BRETT BUSHNELL	TREASURER	Officer Director	$0	$0	$0
RACHEL STEIN	2ND VICE CHAIRPERSON	Officer Director	$0	$0	$0
JEFFREY BRINE	LEGAL COUNSEL	Officer Director	$0	$0	$0
KRISTEN GORSKI	TOWN REPRESENTATIVE	Director	$0	$0	$0
ANNIE ANDREONI	DIRECTOR	Director	$0	$0	$0
ALDO CARDUCCI	DIRECTOR	Director	$0	$0	$0
BOB CARR	DIRECTOR	Director	$0	$0	$0
MATT CUDDY	DIRECTOR	Director	$0	$0	$0
ELIZABETH RYAN	DIRECTOR	Director	$0	$0	$0
JASON JAKUBOWSKI	DIRECTOR	Director	$0	$0	$0
MAURA KEATING	DIRECTOR	Director	$0	$0	$0
STEVEN KING JR	DIRECTOR	Director	$0	$0	$0
TINA LORENTZEN	DIRECTOR	Director	$0	$0	$0
CHRISTINE LOOBY	SECRETARY	Officer Director	$0	$0	$0
NATHANIEL MARDOC	DIRECTOR	Director	$0	$0	$0
ROMIKA ODEDRA	DIRECTOR	Director	$0	$0	$0
AVI SMITH RAPAPORT	DIRECTOR	Director	$0	$0	$0
JAMES SHIMER	DIRECTOR	Director	$0	$0	$0
JUDY A TRAVERS	DIRECTOR	Director	$0	$0	$0
MELISSA ROY	DIRECTOR	Director	$0	$0	$0
MELISSA HARHAY	DIRECTOR	Director	$0	$0	$0
ANDREAS KAPETANOPOULOS	DIRECTOR	Director	$0	$0	$0
RHONA FREE	DIRECTOR	Director	$0	$0	$0
DENISA KAMI	DIRECTOR	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	$293,038	$292,429	$161,062	$609
2024	$256,521	$266,838	$128,393	$-10,317
2023	$254,447	$244,154	$150,240	$10,293
2022	$212,481	$224,253	$135,425	$-11,772
2021	$202,342	$199,998	$130,194	$2,344
2020	$220,955	$220,499	$126,500	$456
2019	$200,861	$199,381	$133,032	$1,480

WEST HARTFORD CHAMBER OF COMMERCE