THE LOWER NIAGARA RIVER REGION CHAMBER OF COMMERCE INC (EIN 202289969) - 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

2005

Legal Domicile

Principal Officer

JENNIFER PAULY

Phone

7167549500

Tax Period

2023-01-01 to 2023-12-31

THE LOWER NIAGARA RIVER REGION CHAMBER OF COMMERCE INC, founded in 2005, is a small nonprofit in the Community Improvement sector that reported $221K in total revenue in fiscal year 2023. Expenses of $255K exceeded revenue, resulting in a 15% operating deficit.

Mission

BUSINESS AND PROFESSIONAL ASSOCIATION TO UNIFY AND PROMOTE THE NIAGARA RIVER REGION AS A PREMIERE PLACE TO LIVE AND WORK WHILE PROMOTING TOURISM, SMALL BUSINESS AND THE HISTORY AND CULTURE OF THE AREA.

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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 (2023)

Revenue Breakdown

Contributions & Grants $172,170

Program Service Revenue $2,600

Investment Income $664

Other Revenue $45,545

TOTAL REVENUE $220,979

Expense Breakdown

Grants Paid $0

Salaries & Benefits $165,957

Fundraising Expenses $0

Program Expenses $118,530

Other Expenses $88,742

TOTAL EXPENSES $254,699

Year-over-Year Comparison

	2023	2022	Change
Revenue	$220,979	$211,470	+0.0%
Expenses	$254,699	$222,256	+0.1%
Net Income	$-33,720	$-10,786	+2.1%

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

$73,806

Total Directors

$73,806

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER PAULY	President	40.00	Officer Director	$73,806	$0	$73,806
SONIA CLARK	Director	1.00	Officer Director	$0	$0	$0
MATTHEW VILLNAVE	Chairman	1.00	Officer Director	$0	$0	$0
FREDERICK BLUE III	2ND VICE CHAIR	1.00	Officer Director	$0	$0	$0
MATTHEW DICAMILLO	Director	1.00	Officer Director	$0	$0	$0
JAMES FITTANTE	Secretary	1.00	Officer Director	$0	$0	$0
TOM DEAL	Director	1.00	Director	$0	$0	$0
JUSTIN TEDESCO	Treasurer	1.00	Director	$0	$0	$0
SARA MORREALE LIBERALE	1ST VICE CHAIR	1.00	Director	$0	$0	$0
STEPHANIE CATTARIN	Director	1.00	Director	$0	$0	$0
MICHAEL CUSHMAN	Director	1.00	Director	$0	$0	$0
AARON DEY	Director	1.00	Director	$0	$0	$0
MICHAEL FIORE	Director	1.00	Director	$0	$0	$0
MARK GALLO	Director	1.00	Director	$0	$0	$0
KARRIE GEBHARDT	Director	1.00	Director	$0	$0	$0
FRANK CAMPBELL	Director	1.00	Director	$0	$0	$0
LISA LANNON	Director	1.00	Director	$0	$0	$0
DAVID UNVERSAW	Director	1.00	Director	$0	$0	$0
LUCY MUTO	Director	1.00	Director	$0	$0	$0
KRISTEN TRUNZO	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
2024	No data	No data	No data	No data
2023	$220,979	$254,699	$136,564	$-33,720
2022	$211,470	$222,256	$180,822	$-10,786
2021	$213,640	$177,843	$189,029	$35,797
2020	$146,013	$144,848	$135,821	$1,165
2019	$219,428	$237,298	$127,172	$-17,870
2018	$235,903	$237,496	$148,157	$-1,593

THE LOWER NIAGARA RIVER REGION CHAMBER OF COMMERCE INC