BREWSTER CHAMBER OF COMMERCE (EIN 061168447) - 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

1957

Legal Domicile

Principal Officer

PAULA MCLAREN-HERNANDEZ

Phone

8452792477

Tax Period

2025-01-01 to 2025-12-31

BREWSTER CHAMBER OF COMMERCE, founded in 1957, is a micro nonprofit in the Community Improvement sector that reported $45K in total revenue in fiscal year 2025. Expenses of $43K left a modest 3% surplus.

Mission

SUPPORT TO COMMUNITY BUSINESSES, BUSINESS DEVELOPMENT , BUSINESS SOCIAL NETWORKING.

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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 $24,684

Program Service Revenue $20,093

Investment Income $0

Other Revenue $0

TOTAL REVENUE $44,777

Expense Breakdown

Grants Paid $0

Salaries & Benefits $19,407

Fundraising Expenses $3,000

Other Expenses $23,970

TOTAL EXPENSES $43,377

Year-over-Year Comparison

	2025	2024	Change
Revenue	$44,777	$44,893	0.0%
Expenses	$43,377	$47,476	-0.1%
Net Income	$1,400	$-2,583	-1.5%

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

$17,680

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PAULA MCLAREN-HERNANDEZ	EXECUTIVE DI	2.50	Officer	$17,680	$0	$17,680
GINA GIOIELLI	VICE PRESIDE	2.50	Officer	$0	$0	$0
KATELYN CORSITTO	DIRECTOR/SEC	2.50	Officer	$0	$0	$0
ROVENA RUCI	TREASURER	2.50	Officer	$0	$0	$0
DAWN RUGGIERO	DIRECTOR	2.50	Director	$0	$0	$0
CANDICE SCIARRILLO	PRESIDENT	2.50	Officer	$0	$0	$0
KATHERINE WONDER	DIRECTOR	2.50	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	$44,777	$43,377	$6,501	$1,400
2024	$44,893	$47,476	$4,964	$-2,583
2023	$46,668	$46,937	$7,482	$-269
2022	$48,958	$51,151	$7,650	$-2,193
2021	$31,359	$39,580	$10,325	$-8,221
2020	$42,165	$42,261	$14,901	$-96
2019	$49,882	$42,157	$15,477	$7,725
2018	$48,324	$45,094	$7,943	$3,230

BREWSTER CHAMBER OF COMMERCE