Middlesex County Regional Chamber of Commerce (EIN 220816242) - 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

1910

Legal Domicile

Principal Officer

LINA LLONA

Phone

7328211700

Tax Period

2024-06-01 to 2025-05-31

Middlesex County Regional Chamber of Commerce, founded in 1910, is a small nonprofit that reported $559K in total revenue in fiscal year 2024. Revenue decreased 18% compared to the prior year.

Mission

TO PROVIDE OPPORTUNITIES FOR BUSINESS growth and prosperity; offer QUALITY SERVICE TO ITS MEMBERS, and serve as a resource leader for BUSINESSES AND THE COMMUNITY.

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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 (2024)

Revenue Breakdown

Contributions & Grants $256,598

Program Service Revenue $293,621

Investment Income $0

Other Revenue $9,154

TOTAL REVENUE $559,373

Expense Breakdown

Grants Paid $0

Salaries & Benefits $246,307

Fundraising Expenses $0

Other Expenses $361,740

TOTAL EXPENSES $608,047

Year-over-Year Comparison

	2024	2023	Change
Revenue	$559,373	$679,873	-0.2%
Expenses	$608,047	$765,165	-0.2%
Net Income	$-48,674	$-85,292	-0.4%

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

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

$98,215

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Adelina Llona	President	40.0	Officer	$85,357	$12,858	$98,215
John Reissner	Chairman	1.0	Officer Director	$0	$0	$0
Carolyn Chirico	Vice Chair	1.0	Officer Director	$0	$0	$0
Jeffrey Hermann	Vice Chair	1.0	Officer Director	$0	$0	$0
Bill Neary	Ex Officio - CVB Vice	1.0	Officer Director	$0	$0	$0
James Berg	Treasurer	1.0	Officer Director	$0	$0	$0
Jeffrey Intravatola	Member/Legal Counsel	1.0	Officer Director	$0	$0	$0
Lawrence H Krampf	MEMBER	1.0	Director	$0	$0	$0
David Stein	MEMBER	1.0	Director	$0	$0	$0
Kelly Blithe	MEMBER	1.0	Director	$0	$0	$0
Jeffrey Johnson	MEMBER	1.0	Director	$0	$0	$0
Gabriel Lavigne	MEMBER	1.0	Director	$0	$0	$0
Adam Overmyer	MEMBER	1.0	Director	$0	$0	$0
Tom Park	MEMBER	1.0	Director	$0	$0	$0
Nicole Aiello	MEMBER	1.0	Director	$0	$0	$0
Carla Cefalo	MEMBER	1.0	Director	$0	$0	$0
Christine D'Agostino	MEMBER	1.0	Director	$0	$0	$0
Tina Earley	MEMBER	1.0	Director	$0	$0	$0
Steve Ferrara	MEMBER	1.0	Director	$0	$0	$0
Scott Hinkle	MEMBER	1.0	Director	$0	$0	$0
Curt Kristjanson	MEMBER	1.0	Director	$0	$0	$0
Steve Mamakas	MEMBER	1.0	Director	$0	$0	$0
Kholoud Marzuq-Alsalah	MEMBER	1.0	Director	$0	$0	$0
Frank Migliorino	MEMBER	1.0	Director	$0	$0	$0
Brent Rivenburgh	MEMBER	1.0	Director	$0	$0	$0
Tammy Stouchko	MEMBER	1.0	Director	$0	$0	$0
Elyse Washington	MEMBER	1.0	Director	$0	$0	$0
Lisa Drumbore	MEMBER	1.0	Director	$0	$0	$0
Christopher Bakazan	MEMBER (Eff. 09/24)	1.0	Director	$0	$0	$0
Natasha James-Waldon	MEMBER (Eff. 06/24)	1.0	Director	$0	$0	$0
Elayne McClaine	Vice Chair (Thru 12/24)	1.0	Officer Director	$0	$0	$0
Joanie Coffaro	Member (Thru 06/24)	1.0	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	$559,373	$608,047	$81,796	$-48,674
2024	$679,873	$765,165	$125,256	$-85,292
2023	$638,535	$643,693	$197,656	$-5,158
2022	$559,570	$536,722	$144,646	$22,848
2021	$450,216	$515,270	$152,905	$-65,054
2020	$452,062	$501,763	$135,265	$-49,701
2019	$590,283	$597,279	$168,727	$-6,996
2018	$527,947	$545,876	$170,588	$-17,929

Middlesex County Regional Chamber of Commerce