MASPETH CHAMBER OF COMMERCE (EIN 113500705) - 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

1999

Legal Domicile

Principal Officer

DAVID DARAIO

Phone

7183262400

Tax Period

2025-01-01 to 2025-12-31

MASPETH CHAMBER OF COMMERCE, founded in 1999, is a micro nonprofit in the Community Improvement sector that reported $68K in total revenue in fiscal year 2025. Revenue surged 85% from the prior year, signaling strong growth momentum. The organization ran a surplus of $19K, a strong 28% operating margin.

Mission

COMMUNITY INVOLVEMENT

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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 $67,883

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $67,883

Expense Breakdown

Grants Paid $2,578

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $43,805

Other Expenses $46,271

TOTAL EXPENSES $48,849

Year-over-Year Comparison

	2025	2024	Change
Revenue	$67,883	$36,678	+0.9%
Expenses	$48,849	$36,096	+0.4%
Net Income	$19,034	$582	+31.7%

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

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
MARYANNA ZERO	PRESIDENT	10.00	Officer Director	$0	$0	$0
DAVID DARAIO	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
JOELLE MATUSZEWSKI	SECRETARY	10.00	Officer Director	$0	$0	$0
KRISTEN SAPIENZA	TREASURER	10.00	Officer 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	$67,883	$48,849	$69,387	$19,034
2024	No data	No data	No data	No data
2023	$40,946	$39,366	$49,771	$1,580
2022	$47,630	$49,730	$48,191	$-2,100
2021	$29,549	$19,246	$50,291	$10,303
2020	$27,872	$26,386	$39,988	$1,486
2018	$37,655	$69,889	$41,631	$-32,234

MASPETH CHAMBER OF COMMERCE