COMMERCE CHENANGO INC (EIN 150402540) - 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

1959

Legal Domicile

Principal Officer

KURT EDWARDS

Phone

6073341400

Tax Period

2025-01-01 to 2025-12-31

COMMERCE CHENANGO INC, founded in 1959, is a small nonprofit that reported $782K in total revenue in fiscal year 2025.

Mission

TO SERVE OUR MEMBERS AND THE PEOPLE OF CHENANGO COUNTY THROUGH PARTNERSHIP WITH BUSINESSES AND ALL LEVELS OF GOVERNMENT,TO LEVERAGE RESOURCES FOR SUSTAINABLE ECONOMIC GROWTH.

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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 $0

Program Service Revenue $821,561

Investment Income $-39,474

Other Revenue $0

TOTAL REVENUE $782,087

Expense Breakdown

Grants Paid $0

Salaries & Benefits $416,737

Fundraising Expenses $0

Program Expenses $593,409

Other Expenses $431,125

TOTAL EXPENSES $847,862

Year-over-Year Comparison

	2025	2024	Change
Revenue	$782,087	$758,786	+0.0%
Expenses	$847,862	$803,564	+0.1%
Net Income	$-65,775	$-44,778	+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

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

$89,252

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SALVATORE TESTANI	President & CEO	40.00	Officer	$89,252	$0	$89,252
KURT EDWARDS	Treasurer	1.00	Officer Director	$0	$0	$0
PHILIP WADE	Vice Chair	0.50	Officer Director	$0	$0	$0
LUKE MURPHY	CHAIR	1.00	Officer Director	$0	$0	$0
ROBERT MURRER	Secretary	1.00	Officer Director	$0	$0	$0
SHANE BUTLER	Director	0.50	Director	$0	$0	$0
MICHAEL KEENAN	Director	0.50	Director	$0	$0	$0
JEFF BLANCHARD	Director	0.50	Director	$0	$0	$0
AMY HOWARD	Director	0.50	Director	$0	$0	$0
MICHAEL O'REILLY	Director	0.50	Director	$0	$0	$0
RC WOODFORD	Director	0.50	Director	$0	$0	$0
PETER LENNON	Director	0.50	Director	$0	$0	$0
BENEDIKT SANDER	Director	0.50	Director	$0	$0	$0
MIKE FLANAGAN	Director	0.50	Director	$0	$0	$0
SHANNON SLACK	Director	0.50	Director	$0	$0	$0
SCOTT RYAN	Director	0.50	Director	$0	$0	$0
JULIA MILLER	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
2025	$782,087	$847,862	$135,291	$-65,775
2024	$758,786	$803,564	$116,005	$-44,778
2023	$691,467	$749,788	$200,129	$-58,321
2022	$733,569	$743,167	$195,612	$-9,598
2021	$509,310	$542,833	$222,678	$-33,523
2020	$434,222	$472,437	$238,319	$-38,215
2019	$504,728	$505,999	$130,483	$-1,271
2018	$502,112	$504,350	$263,873	$-2,238

COMMERCE CHENANGO INC