North Central CT Chamber Of Commerce (EIN 060723752) - 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

1956

Legal Domicile

Principal Officer

Karen Campbell

Tax Period

2024-01-01 to 2024-12-31

North Central CT Chamber Of Commerce, founded in 1956, is a small nonprofit that reported $225K in total revenue in fiscal year 2024.

Mission

To promote and support the economic development and business interests of our members and the local community by providing networking opportunities, advocacy, and resources that enhance the business environment.

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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 $188,276

Program Service Revenue $37,112

Investment Income $54

Other Revenue $0

TOTAL REVENUE $225,442

Expense Breakdown

Grants Paid $0

Salaries & Benefits $151,810

Fundraising Expenses $28,964

Program Expenses $21,598

Other Expenses $80,892

TOTAL EXPENSES $232,702

Year-over-Year Comparison

	2024	2023	Change
Revenue	$225,442	$216,306	+0.0%
Expenses	$232,702	$223,236	+0.0%
Net Income	$-7,260	$-6,930	+0.0%

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

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
Joyce Crowley	Director	2.00	Director	$0	$0	$0
Laura Gould	Director	2.00	Director	$0	$0	$0
Joyce Keating	Director	2.00	Director	$0	$0	$0
Scott Kaupin	Director	2.00	Director	$0	$0	$0
Rob Kwasnicki	Director	2.00	Director	$0	$0	$0
Michael Loudon	Director	2.00	Director	$0	$0	$0
Carolyn McCaffrey	Director	2.00	Director	$0	$0	$0
Sandy Morris	Director	2.00	Director	$0	$0	$0
Nikki Ouellette	Director	2.00	Director	$0	$0	$0
Colleen Phelps	Director	2.00	Director	$0	$0	$0
Paul Poutre	Director	2.00	Director	$0	$0	$0
Melissa Trzepacz	Director	2.00	Director	$0	$0	$0
Jo Ann Walk	Director	2.00	Director	$0	$0	$0
Connie Provincher	Director of Membership	0.00	Director	$0	$0	$0
Linda Cote	President	2.00	Officer	$0	$0	$0
Peter DiMaria	Past President	2.00	Officer	$0	$0	$0
Chris Stone	1st Vice President	2.00	Officer	$0	$0	$0
Tim St James	2nd Vice President	2.00	Officer	$0	$0	$0
Theresa Meyer	Treasurer	2.00	Officer	$0	$0	$0
Aimee Boettcher	Secretary	2.00	Officer	$0	$0	$0
Karen Campbell	Executive Director	0.00	Officer Highest	$0	$0	$0
Vicki Clark	Director	0.00		$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
2024	$225,442	$232,702	$36,358	$-7,260
2023	$216,306	$223,236	$38,853	$-6,930
2022	$137,146	$133,449	$42,378	$3,697
2021	$74,715	$75,121	$38,681	$-406
2020	$77,916	$86,589	$20,780	$-8,673
2019	$109,951	$107,381	$26,578	$2,570
2018	$104,191	$105,084	$24,007	$-893

North Central CT Chamber Of Commerce