RIDGEFIELD CHAMBER OF COMMERCE (EIN 060865871) - 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

1966

Legal Domicile

Principal Officer

DIANA SPENCE

Phone

2034385992

Tax Period

2025-01-01 to 2025-12-31

RIDGEFIELD CHAMBER OF COMMERCE, founded in 1966, is a small nonprofit that reported $118K in total revenue in fiscal year 2025. Revenue fell 21% from the prior year — a significant decline worth monitoring.

Mission

THE MISSION OF RIDGEFIELD CHAMBER OF COMMERCE IS TO PROMOTE THE ECONOMIC VITALITY OF THE TOWN OF RIDGEFIELD CT THROUGH MEMBER ENGAGEMENT, HOSPITALITY.

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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 $72,560

Program Service Revenue $0

Investment Income $9

Other Revenue $45,042

TOTAL REVENUE $117,611

Expense Breakdown

Grants Paid $0

Salaries & Benefits $75,306

Fundraising Expenses $0

Other Expenses $43,519

TOTAL EXPENSES $118,825

Year-over-Year Comparison

	2025	2024	Change
Revenue	$117,611	$148,645	-0.2%
Expenses	$118,825	$135,091	-0.1%
Net Income	$-1,214	$13,554	-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	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH ANN BACKES	DIRECTOR	1.00	Director	$0	$0	$0
SUZANNE BRENNAN	PAST PRESIDE	5.00	Director	$0	$0	$0
JUNIUS BROWN	DIRECTOR	1.00	Director	$0	$0	$0
DEE DEE COLABELLA	DIRECTOR	1.00	Director	$0	$0	$0
JILLIAN FONTANA	DIRECTOR	1.00	Director	$0	$0	$0
TOM GARTELL	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANIE HEERING	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE HERON	VICE PRESIDE	10.00	Director	$0	$0	$0
NICOLE INTERLANDI	DIRECTOR	1.00	Director	$0	$0	$0
PAMME JONES	DIRECTOR	1.00	Director	$0	$0	$0
BRANDEN KOMM	DIRECTOR	1.00	Director	$0	$0	$0
IAN LEWIS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MCGUIRK	PRESIDENT	10.00	Director	$0	$0	$0
MATTHEW MOSEBROOK	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE MULLEN	SECRETARY	5.00	Director	$0	$0	$0
DAN O'BRIEN	DIRECTOR	1.00	Director	$0	$0	$0
NANCY O'CONNELL	DIRECTOR	1.00	Director	$0	$0	$0
RON PAC	TREASURER	5.00	Director	$0	$0	$0
CHRISTINE SANTORI	DIRECTOR	1.00	Director	$0	$0	$0
MARY PAT SEXTON	DIRECTOR	1.00	Director	$0	$0	$0
DIANA SPENCE	EXECUTIVE DI	10.00	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	$117,611	$118,825	$56,828	$-1,214
2024	$148,645	$135,091	$38,991	$13,554
2023	$190,786	$111,191	$44,970	$79,595
2022	$125,791	$107,401	$57,350	$18,390
2021	$107,434	$67,389	$44,143	$40,045
2020	$83,327	$83,312	$11,027	$15
2018	$159,187	$162,378	$18,192	$-3,191

RIDGEFIELD CHAMBER OF COMMERCE