Holbrook Chamber of Commerce Inc (EIN 112808814) - 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

1954

Legal Domicile

Principal Officer

Fred Coste

Phone

6314712725

Tax Period

2024-01-01 to 2024-12-31

Holbrook Chamber of Commerce Inc, founded in 1954, is a small nonprofit in the Community Improvement sector that reported $121K in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $29K, a strong 24% operating margin.

Mission

To Support and Improve the Business Climate in the Community and Foster a Strong Sense of Community for Local Businesses

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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 $61,194

Program Service Revenue $0

Investment Income $3

Other Revenue $59,361

TOTAL REVENUE $120,558

Expense Breakdown

Grants Paid $48,234

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $48,234

Other Expenses $43,495

TOTAL EXPENSES $91,729

Year-over-Year Comparison

	2024	2023	Change
Revenue	$120,558	$98,099	+0.2%
Expenses	$91,729	$79,607	+0.2%
Net Income	$28,829	$18,492	+0.6%

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

155

Independent Members

155

Employees

N/A

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
Fred Coste	Treasurer	5.00	Officer	$0	$0	$0
Kevin Guilfoyle	Vice President	2.00	Officer	$0	$0	$0
Rick Ammirati	President	5.00	Officer	$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	$120,558	$91,729	$122,688	$28,829
2023	$98,099	$79,607	$93,859	$18,492
2022	$106,773	$54,821	$98,107	$51,952
2021	$74,306	$33,311	$88,155	$40,995
2020	$76,955	$51,103	$47,160	$25,852
2019	$53,668	$52,217	$21,308	$1,451
2018	$66,549	$69,411	$19,857	$-2,862

Holbrook Chamber of Commerce Inc