JAFFREY 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

1982

Legal Domicile

Principal Officer

Cathy Furze

Phone

6035324549

Tax Period

2021-01-01 to 2021-12-31

JAFFREY CHAMBER OF COMMERCE INC, founded in 1982, is a micro nonprofit that reported $80K in total revenue in fiscal year 2021. Revenue decreased 13% compared to the prior year.

Mission

The mission of the Jaffrey Chamber of Commerce is to bring together individuals, businesses and organizations to work together for the continued progress of our community.

Program Service Accomplishments

Program 1

Expenses: $8,724 Revenue: $20,589

This year the Annual Ron Despres Memorial Golf Tournament in honor of one of the original charter members was held to promote social gathering for Chanber Members, business and guests as well a round of golf. This year because of the weather gods the tournament was reschedules to August there was a good turn out and were over 15 volunteers for the event and had 14 teams and 56 Golfers.

Program 2

Expenses: $491 Revenue: $2,667

This year the Annual Meeting was held to reconize and celebrate the outstanding contribution of its community leaders, acknowledge dedicated volunteers, thank outgoing directors, and welcome new...

This year the Annual Meeting was held to reconize and celebrate the outstanding contribution of its community leaders, acknowledge dedicated volunteers, thank outgoing directors, and welcome new directors. The Chamber awarded the 2021 Citizen of the Year award went to Cathy Furze , the Business of the Year award went to Cournoyer Funeral Home and the Non-Profit of the Year award went to Threads of Hope This year the Annual Meeting was presented via Zoom.

Program 3

Expenses: $19,054

The Chamber maintains an Office on 7 Main Street, Jaffrey, New Hampshire where it conducts its Board of Director Meetings and has informational material on a varity of member organizations in the...

The Chamber maintains an Office on 7 Main Street, Jaffrey, New Hampshire where it conducts its Board of Director Meetings and has informational material on a varity of member organizations in the region. The Chamber also conducts monthly Breakfast meetings as well as After Hours gatherings as a way to introduce Members and interested guests to a variety of businesses in 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 (2021)

Revenue Breakdown

Contributions & Grants $43,308

Program Service Revenue $36,318

Investment Income $3

Other Revenue $0

TOTAL REVENUE $79,629

Expense Breakdown

Grants Paid $0

Salaries & Benefits $20,131

Fundraising Expenses $0

Program Expenses $31,269

Other Expenses $57,951

TOTAL EXPENSES $78,082

Year-over-Year Comparison

	2021	2020	Change
Revenue	$79,629	$91,323	-0.1%
Expenses	$78,082	$73,688	+0.1%
Net Income	$1,547	$17,635	-0.9%

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

262

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Cyndy Burgess	President	002.00	Officer Director	$0	$0	$0
Matthew McCarthy	Past President	001.00	Officer Director	$0	$0	$0
Cathy Furze	Vice President	001.00	Officer Director	$0	$0	$0
Alicia Vitello	Secretary	001.00	Officer Director	$0	$0	$0
Alison Bergeron	Director	000.50	Director	$0	$0	$0
Sarah Dangelantonio	Director	000.50	Director	$0	$0	$0
Sam LaFortune	Director	000.50	Director	$0	$0	$0
Mark McLeroy	Director	000.50	Director	$0	$0	$0
Casey Leach	Director	000.50	Director	$0	$0	$0
Lori Ruscito	Director	000.50	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
2021	$79,629	$78,082	$138,784	$1,547
2020	$91,323	$73,688	$142,127	$17,635
2019	$210,170	$190,424	$129,090	$19,746
2018	$222,796	$237,242	$114,212	$-14,446