STAMFORD CHAMBER OF COMMERCE INC

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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

1984

Legal Domicile

Phone

2036149979

Tax Period

2024-07-01 to 2025-06-30

STAMFORD CHAMBER OF COMMERCE INC, founded in 1984, is a small nonprofit that reported $570K in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion. The organization ran a surplus of $151K, a strong 27% operating margin.

Mission

TO PROMOTE AND ENCOURAGE THE UNDERSTANDING AND APPRECIATION OF THE STAMFORD BUSINESS COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $331,699 Revenue: $289,284

NUMEROUS PROGRAMS ALL GEARED TO BE OF INTEREST TO THE BUSINESS COMMMUNITY

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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 $258,372

Program Service Revenue $289,284

Investment Income $22,286

Other Revenue $0

TOTAL REVENUE $569,942

Expense Breakdown

Grants Paid $0

Salaries & Benefits $229,354

Fundraising Expenses $0

Program Expenses $331,699

Other Expenses $189,163

TOTAL EXPENSES $418,517

Year-over-Year Comparison

	2024	2023	Change
Revenue	$569,942	$479,583	+0.2%
Expenses	$418,517	$388,781	+0.1%
Net Income	$151,425	$90,802	+0.7%

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

145

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

$135,143

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TODD LINDVALL	CHAIRMAN	1.00	Director	$0	$0	$0
DAVID CINGARI	VICE CHAIRMAN	1.00	Director	$0	$0	$0
GARRY FELDMAN	TREASURER	1.00	Director	$0	$0	$0
MARIA RIZK	SECRETARY	1.00	Director	$0	$0	$0
FANNY FERREIRA	PAST CHAIRMAN	1.00	Director	$0	$0	$0
LAURA JORDAN	MEMBER AT LARGE	1.00	Director	$0	$0	$0
ROBIN FALLER	MEMBER AT LARGE	1.00	Director	$0	$0	$0
STEVE CANNA	DIRECTOR	1.00	Director	$0	$0	$0
HARRY CAREY	DIRECTOR	1.00	Director	$0	$0	$0
MARK FINNEGAN	DIRECTOR	1.00	Director	$0	$0	$0
JEFFREY HOULE	DIRECTOR	1.00	Director	$0	$0	$0
MEREDITH BOOKLESS	DIRECTOR	1.00	Director	$0	$0	$0
LEAH KAGAN	DIRECTOR EX OFFICIO	1.00	Director	$0	$0	$0
TINA MAZZULLO	DIRECTOR	1.00	Director	$0	$0	$0
RANDY STODARD	DIRECTOR	1.00	Director	$0	$0	$0
DAN STOLZENBACH	DIRECTOR	1.00	Director	$0	$0	$0
HEATHER CAVANAGH	PRESIDENT & CEO	40.00	Officer	$135,143	$0	$135,143
PJ GUSTAS	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MOORE	DIRECTOR EX OFFICIO	1.00	Director	$0	$0	$0
ANGELA MKAESTNER	DIRECTOR	1.00	Director	$0	$0	$0
BRAD SHAW	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER KOUTSOVITIS	DIRECTOR	1.00	Director	$0	$0	$0
BRAD LUPINACCI	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER ORLIKOFF	DIRECTOR EX OFFICIO	1.00	Director	$0	$0	$0
JEFF VARGAS	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	$569,942	$418,517	$699,955	$151,425
2024	$479,583	$388,781	$536,862	$90,802
2023	$434,362	$365,756	$468,507	$68,606
2022	$452,980	$341,487	$378,898	$111,493
2021	$357,911	$281,481	$282,076	$76,430
2020	$325,474	$268,070	$217,909	$57,404
2019	$389,655	$261,575	$154,387	$128,080