CORRIDOR 9495 REGIONAL CHAMBER OF COMMERCE (EIN 223887369) - 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

2003

Legal Domicile

Principal Officer

KAREN CHAPMAN

Phone

5088364444

Tax Period

2022-07-01 to 2023-06-30

CORRIDOR 9495 REGIONAL CHAMBER OF COMMERCE, founded in 2003, is a small nonprofit in the Community Improvement sector that reported $446K in total revenue in fiscal year 2022. Revenue decreased 19% compared to the prior year. Expenses of $432K left a modest 3% surplus.

Mission

THE MISSION OF THE CORRIDOR 9/495 REGIONAL CHAMBER OF COMMERCE IS TO BE A DYNAMIC REGIONAL BUSINESS ORGINIZATION STRIVING TO PROMOTE GROWTH, PROSPERITY AND QUALITY OF LIFE FOR OUR MEMBERS AND COMMUNTIES.

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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 (2022)

Revenue Breakdown

Contributions & Grants $169,568

Program Service Revenue $271,248

Investment Income $971

Other Revenue $4,500

TOTAL REVENUE $446,287

Expense Breakdown

Grants Paid $0

Salaries & Benefits $257,905

Fundraising Expenses $0

Other Expenses $173,629

TOTAL EXPENSES $431,534

Year-over-Year Comparison

	2022	2021	Change
Revenue	$446,287	$549,349	-0.2%
Expenses	$431,534	$368,114	+0.2%
Net Income	$14,753	$181,235	-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

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

$126,777

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN J CHAPMAN	PRESIDENT	40.00	Officer	$126,777	$0	$126,777
STEVEN ROACH	CHAIR	4.00	Officer Director	$0	$0	$0
DAVID KAISER	CHAIR ELECT	2.00	Officer Director	$0	$0	$0
PAMELA S STEVENS	IMMEDIATE PAST CHAIR	2.00	Officer Director	$0	$0	$0
PAUL F MCGRATH	ASSISTANT TREASURER	2.00	Officer Director	$0	$0	$0
DAVID D BAGDON	MEMBER AT LARGE	2.00	Director	$0	$0	$0
JOSEPH G SOVA	VICE CHAIR	2.00	Officer Director	$0	$0	$0
VINCENT SERVELLO III	TREASURER	2.00	Officer Director	$0	$0	$0
SANDRA COKER	SECRETARY	2.00	Officer Director	$0	$0	$0
CHRISTOPHER COGHLIN	DIRECTOR	1.00	Director	$0	$0	$0
CLIFTON J BOWKER	DIRECTOR	1.00	Director	$0	$0	$0
DONNA COX	DIRECTOR	1.00	Director	$0	$0	$0
MARK DONOHUE	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN GANGER	DIRECTOR	1.00	Director	$0	$0	$0
PETER GARDNER	DIRECTOR	1.00	Director	$0	$0	$0
REBECCA ROMAN	DIRECTOR	1.00	Officer Director	$0	$0	$0
DENISE KAPULKA-CARIGLIA	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW KRUMSIEK	DIRECTOR	1.00	Director	$0	$0	$0
CHERIE COMEAU	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH A MOQUIN	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTOPHER EGAN	DIRECTOR	1.00	Director	$0	$0	$0
MARY SIMONE	DIRECTOR	1.00	Director	$0	$0	$0
ELAINE OSGOOD	DIRECTOR	1.00	Director	$0	$0	$0
WALLY DWYER	DIRECTOR	1.00	Director	$0	$0	$0
KEITH LEDOUX	DIRECTOR	1.00	Director	$0	$0	$0
HENRY TESSMAN	DIRECTOR	1.00	Director	$0	$0	$0
PATRICK T ROYCE	DIRECTOR	1.00	Director	$0	$0	$0
STEVE ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
DAVID FREM	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE GILLESPIE	DIRECTOR	1.00	Director	$0	$0	$0
RICH HANNIBAL	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD THALL	DIRECTOR	1.00	Director	$0	$0	$0
KAREN ANGER	DIRECTOR	1.00	Director	$0	$0	$0
MEAGAN JACKSON	DIRECTOR	1.00	Director	$0	$0	$0
HOLLY KENNY	DIRECTOR	1.00	Director	$0	$0	$0
ALEXANDER KAMPERSAL	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$446,287	$431,534	$347,709	$14,753
2022	$549,349	$368,114	$330,192	$181,235
2021	$399,874	$343,153	$305,016	$56,721

CORRIDOR 9495 REGIONAL CHAMBER OF COMMERCE