SHORELINE CHAMBER OF COMMERCE

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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

2014

Legal Domicile

Principal Officer

RACHEL RUSCONI

Phone

2034885500

Tax Period

2025-01-01 to 2025-12-31

SHORELINE CHAMBER OF COMMERCE, founded in 2014, is a small nonprofit in the Community Improvement sector that reported $241K in total revenue in fiscal year 2025.

Mission

PROMOTION OF COMMUNITY AND BUSINESS DEVELOPMENT.

Program Service Accomplishments

Program 1

Expenses: $117,635

PROMOTION OF COMMUNITY AND BUSINESS DEVELOPMENT IN THE TOWNS OF BRANFORD, GUILFORD, NORTH BRANFORD AND THE SURROUNDING COMMUNITIES.

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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 $119,365

Program Service Revenue $100,949

Investment Income $603

Other Revenue $19,774

TOTAL REVENUE $240,691

Expense Breakdown

Grants Paid $0

Salaries & Benefits $168,961

Fundraising Expenses $0

Program Expenses $117,635

Other Expenses $94,370

TOTAL EXPENSES $263,331

Year-over-Year Comparison

	2025	2024	Change
Revenue	$240,691	$226,889	+0.1%
Expenses	$263,331	$255,580	+0.0%
Net Income	$-22,640	$-28,691	-0.2%

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

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

$51,538

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DENISE DAVIAU	CHAIR	1.00	Officer Director	$0	$0	$0
CHAG EDGAR	VICE CHAIR	1.00	Officer Director	$0	$0	$0
MATT LAPRINO	TREASURER	1.00	Officer Director	$0	$0	$0
KRISTEN SIBLEY	SECRETARY	1.00	Officer Director	$0	$0	$0
ERICA BRIGGS	DIRECTOR	1.00	Director	$0	$0	$0
JOSE CUAPIO	DIRECTOR	1.00	Director	$0	$0	$0
KAREN DELVECCHIO	DIRECTOR	1.00	Director	$0	$0	$0
ERIC EMANUELSON	DIRECTOR	1.00	Director	$0	$0	$0
SUE GANCI	DIRECTOR	1.00	Director	$0	$0	$0
MARCIA LAFEMINA	DIRECTOR	1.00	Director	$0	$0	$0
DEANAH O'DONNELL	DIRECTOR	1.00	Director	$0	$0	$0
ROB OMAN	DIRECTOR	1.00	Director	$0	$0	$0
FRANCINE PISCITELLI	DIRECTOR	1.00	Director	$0	$0	$0
MATT RADER	DIRECTOR	1.00	Director	$0	$0	$0
PERRY MARESCA	EX-OFFICIO	1.00	Director	$0	$0	$0
JOHN TAURUTIS	EX-OFFICIO	1.00	Director	$0	$0	$0
RORY BURKE	EX-OFFICIO	1.00	Director	$0	$0	$0
DEE JACOB	EX-OFFICIO/PRESIDENT	40.00	Director	$51,538	$0	$51,538

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	$240,691	$263,331	$20,137	$-22,640
2024	$226,889	$255,580	$42,777	$-28,691
2023	$244,221	$265,056	$71,468	$-20,835
2022	$241,838	$261,483	$92,303	$-19,645
2021	$158,340	$137,683	$111,948	$20,657
2020	$222,413	$179,768	$91,291	$42,645
2019	$314,696	$307,479	$48,646	$7,217
2018	$280,654	$290,461	$41,429	$-9,807