THE CHAMBER OF SOUTHERN SARATOGA COUNTY INC (EIN 141615023) - 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

1978

Legal Domicile

Phone

5183717748

Tax Period

2019-01-01 to 2019-12-31

THE CHAMBER OF SOUTHERN SARATOGA COUNTY INC, founded in 1978, is a small nonprofit that reported $477K in total revenue in fiscal year 2019. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $557K exceeded revenue, resulting in a 17% operating deficit.

Mission

CHAMBER OF COMMERCE

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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 (2019)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $412,458

Investment Income $918

Other Revenue $63,654

TOTAL REVENUE $477,030

Expense Breakdown

Grants Paid $0

Salaries & Benefits $268,573

Fundraising Expenses $0

Other Expenses $288,165

TOTAL EXPENSES $556,738

Year-over-Year Comparison

	2019	2018	Change
Revenue	$477,030	$608,815	-0.2%
Expenses	$556,738	$576,670	0.0%
Net Income	$-79,708	$32,145	-3.5%

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

$109,970

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PETER P BARDUNIAS	President & CEO	40.00	Officer	$109,970	$0	$109,970
JOSEPH HANLON	Treasurer	1.00	Officer Director	$0	$0	$0
GREG BRUNO	Director	1.00	Director	$0	$0	$0
ANNE CURCURITO	1ST VICE CHAIR	1.00	Director	$0	$0	$0
JIM FUSCHINO	Director	1.00	Director	$0	$0	$0
SEAN MAGUIRE	Director	1.00	Director	$0	$0	$0
BRIAN WHITE	Secretary	1.00	Officer Director	$0	$0	$0
CARMINE DECRESCENTE III	Director	1.00	Director	$0	$0	$0
GREG CONNORS	Director	1.00	Director	$0	$0	$0
SARAH HESLIN	Director	1.00	Director	$0	$0	$0
CARL STEWART	Director	1.00	Director	$0	$0	$0
MATT GRATTAN	Chairman	1.00	Officer Director	$0	$0	$0
CHRIS MEYER	IMM PAST CHAIR	1.00	Officer Director	$0	$0	$0
KRISTYN KAMBER	Director	1.00	Director	$0	$0	$0
LAUREN VALENTINE	CHAIR ELECT	1.00	Officer Director	$0	$0	$0
ELIZABETH WOOD	Director	1.00	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
2019	$477,030	$556,738	No data	$-79,708
2018	$608,815	$576,670	$170,676	$32,145

THE CHAMBER OF SOUTHERN SARATOGA COUNTY INC