CHESANING CHAMBER OF COMMERCE

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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

1962

Legal Domicile

Principal Officer

EMILY CANNON

Phone

9898453055

Tax Period

2025-01-01 to 2025-12-31

CHESANING CHAMBER OF COMMERCE, founded in 1962, is a micro nonprofit in the Community Improvement sector that reported $44K in total revenue in fiscal year 2025. Revenue fell 29% from the prior year — a significant decline worth monitoring. Expenses of $65K exceeded revenue, resulting in a 48% operating deficit.

Mission

TO ACTIVELY FOSTER BUSINESS GROWTH, MEMBER SERVICES AND UNITED COMMUNITY

Program Service Accomplishments

Program 1

Expenses: $5,724 Revenue: $8,618

GOLF OUTING TO RAISE FUNDS FOR SCHOLARSHIPS

Program 2

Expenses: $7,462 Revenue: $14,280

ANNUAL RAFFLE TO RAISE FUNDS FOR CHAMBER ACTIVITIES

Program 3

Expenses: $14,356 Revenue: $10,995

4TH OF JULY FIREWORKS FOR 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 (2025)

Revenue Breakdown

Contributions & Grants $33,314

Program Service Revenue $8,098

Investment Income $466

Other Revenue $2,218

TOTAL REVENUE $44,096

Expense Breakdown

Grants Paid $0

Salaries & Benefits $29,704

Fundraising Expenses $0

Program Expenses $27,542

Other Expenses $35,358

TOTAL EXPENSES $65,062

Year-over-Year Comparison

	2025	2024	Change
Revenue	$44,096	$61,697	-0.3%
Expenses	$65,062	$54,701	+0.2%
Net Income	$-20,966	$6,996	-4.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EMILY CANNON	PRESIDENT	001.00	Officer	$0	$0	$0
LAURA GREENFELDER	VICE PRESIDENT	001.00	Officer	$0	$0	$0
AMY HANDLEY	TREASURER	001.00	Officer	$0	$0	$0
JESSICA LICHNOVSKY	SECRETARY	001.00	Officer	$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	$44,096	$65,062	$116,103	$-20,966
2024	$61,697	$54,701	$135,832	$6,996
2023	$54,697	$51,338	$89,282	$3,359
2022	$54,351	$49,149	$92,797	$5,202
2021	$44,770	$50,175	$109,834	$-5,405
2020	$65,846	$53,458	$105,175	$12,388
2019	$55,358	$53,292	$78,797	$2,066
2018	$49,018	$42,471	$61,086	$6,547