THE LOWER NIAGARA RIVER REGION CHAMBER OF COMMERCE INC

EIN: 202289969 Community Improvement

LEWISTON, NY

Total Revenue
$220,979
Total Expenses
$254,699
Total Assets
$136,564
Net Assets
$83,049
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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
NY
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.

Program Service Accomplishments

Program 1
Expenses: $118,530

BUSINESS AND PROFESSIONAL ORGANIZATION UNIFYING AND PROMOTING THE NIAGARA RIVER REGION FOR BUSINESS AND TOURISM DEVELOPMENT. HEALTH INSURANCE GROUP PROVIDER-ALLOWS SMALL BUSINESSES TO ENROLL IN...

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BUSINESS AND PROFESSIONAL ORGANIZATION UNIFYING AND PROMOTING THE NIAGARA RIVER REGION FOR BUSINESS AND TOURISM DEVELOPMENT. HEALTH INSURANCE GROUP PROVIDER-ALLOWS SMALL BUSINESSES TO ENROLL IN VARIOUS HEALTH BENEFIT PLANS AT GROUP RATES BY POOLING EMPLOYEES.

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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%)

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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

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Governance

Voting Members
19
Independent Members
19
Employees
11
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
6
$73,806
Total Directors
20
$73,806
Key Employees
0
$0
Highest Compensated
0
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
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