WINDSOR CHAMBER OF COMMERCE (EIN 066180000) - 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

1901

Legal Domicile

Principal Officer

DANIELLE DEMAR

Phone

8606885165

Tax Period

2024-07-01 to 2025-06-30

WINDSOR CHAMBER OF COMMERCE, founded in 1901, is a micro nonprofit that reported $92K in total revenue in fiscal year 2024. Revenue surged 21% from the prior year, signaling strong growth momentum. Expenses of $119K exceeded revenue, resulting in a 30% operating deficit.

Mission

PROVIDES DATA LOGISTICAL SUPPORT RELATED TO FUNCTIONING WELL IN COMMUNITY AND ESSENTIAL ECONOMIC MEANS TO ACQUIRE MEDCIAL BENEFITS FOR MEMBERS

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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 $85,673

Program Service Revenue $0

Investment Income $594

Other Revenue $5,270

TOTAL REVENUE $91,537

Expense Breakdown

Grants Paid $0

Salaries & Benefits $68,058

Fundraising Expenses $0

Other Expenses $50,514

TOTAL EXPENSES $118,572

Year-over-Year Comparison

	2024	2023	Change
Revenue	$91,537	$75,639	+0.2%
Expenses	$118,572	$135,677	-0.1%
Net Income	$-27,035	$-60,038	-0.5%

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

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

$61,294

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DANIELLE DEMAR	PRESIDENT	2.00	Officer	$0	$0	$0
ANISSA TEICH	VICE PRESIDENT	2.00	Officer	$0	$0	$0
AMANDA NAGY	TREASURER	2.00	Officer	$0	$0	$0
PHYLLIS STARGARDTER	OFFICE MANAGER	40.00	Key Emp	$34,325	$0	$34,325
ANDREW SURPISE	EXECUTIVE DIRECTOR	20.00	Key Emp	$26,969	$0	$26,969

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	$91,537	$118,572	$76,218	$-27,035
2024	$75,639	$135,677	$92,066	$-60,038
2023	$73,336	$83,476	$147,549	$-10,140
2022	$101,875	$117,950	$151,711	$-16,075
2021	$133,430	$120,212	$183,820	$13,218
2020	$119,044	$131,268	$144,921	$-12,224
2019	$117,287	$105,740	$162,979	$11,547

WINDSOR CHAMBER OF COMMERCE