CAMBRIDGE AREA 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

1947

Legal Domicile

Principal Officer

KELLY LESLIE

Phone

7404396688

Tax Period

2023-01-01 to 2023-12-31

CAMBRIDGE AREA CHAMBER OF COMMERCE, founded in 1947, is a small nonprofit that reported $231K in total revenue in fiscal year 2023. Revenue grew 20% year-over-year, indicating healthy expansion. The organization ran a surplus of $37K, a strong 16% operating margin.

Mission

THE MISSION OF THE CAMBRIDGE AREA CHAMBER OF COMMERCE IS TO ENHANCE THE ECONOMIC, CIVIC AND CULTURAL GROWTH OF THE AREA, TO IMPROVE THE QUALITY OF LIFE IN THE COMMUNITY, AND TO ACT AS A VOICE OF BUSINESS.

Program Service Accomplishments

Program 1

BUSINESS AWARENESS-PROVIDES THE RESIDENTS OF GUERNSEY COUNTY AND SURROUNDING AREAS THE OPPORTUNITY TO HAVE FIRST HAND EXPOSURE TO THE BUSINESS ESTABLISMENTS IN THE AREA.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $119,411

Investment Income $2,599

Other Revenue $108,706

TOTAL REVENUE $230,716

Expense Breakdown

Grants Paid $710

Salaries & Benefits $125,618

Fundraising Expenses $0

Other Expenses $67,228

TOTAL EXPENSES $193,556

Year-over-Year Comparison

	2023	2022	Change
Revenue	$230,716	$192,799	+0.2%
Expenses	$193,556	$175,336	+0.1%
Net Income	$37,160	$17,463	+1.1%

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

$65,436

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER L VINCENT	PRESIDENT	40.00	Officer	$65,436	$0	$65,436
NORM BLANCHARD	EX OFFICIO	2.00	Director	$0	$0	$0
DEB BROWN	BOARD MEMBER	2.00	Director	$0	$0	$0
SHAWN BUCHTEL	BOARD MEMBER	2.00	Director	$0	$0	$0
DAN COFFMAN	BOARD MEMBER	2.00	Director	$0	$0	$0
CHRISTIAN DAVEY	BOARD MEMBER	2.00	Director	$0	$0	$0
DENNIS DOUTT	PRESIDENT	2.00	Officer Director	$0	$0	$0
WENDY ELLIOTT	BOARD MEMBER	2.00	Director	$0	$0	$0
MINDY ELTRINGHAM	BOARD MEMBER	2.00	Director	$0	$0	$0
MITCH HOWELL	BOARD MEMBER	2.00	Director	$0	$0	$0
ALLEN HUNTER	BOARD MEMBER	2.00	Director	$0	$0	$0
SUSAN HUNTER	VICE CHAIRMA	2.00	Director	$0	$0	$0
AIMEE JOHNSON	BOARD MEMBER	2.00	Director	$0	$0	$0
KELLY LESLIE	TREASURER	2.00	Director	$0	$0	$0
JOEL LOSEGO	BOARD MEMBER	2.00	Director	$0	$0	$0
MIRANDA MISER	BOARD MEMBER	2.00	Director	$0	$0	$0
JEREMY MORROW	CHAIRMAN	2.00	Director	$0	$0	$0
PENNY PARNELL	BOARD MEMBER	2.00	Director	$0	$0	$0
DEBBIE ROBINSON	EX OFFICIO	2.00	Director	$0	$0	$0
CHASE ROSSER	BOARD MEMBER	2.00	Director	$0	$0	$0
VAL SAMPSON	BOARD MEMBER	2.00	Director	$0	$0	$0
MARY BETH SILLS	EX OFFICIO	2.00	Director	$0	$0	$0
MARYNELL TOWNSEND	EX OFFICIO	2.00	Director	$0	$0	$0
MICHELE VANDYNE	BOARD MEMBER	2.00	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
2024	No data	No data	No data	No data
2023	$230,716	$193,556	$254,155	$37,160
2022	$192,799	$175,336	$196,802	$17,463
2021	$122,224	$110,141	$194,153	$12,083
2020	$112,746	$93,427	$154,240	$19,319
2019	$183,663	$188,085	$144,328	$-4,422
2018	$158,328	$165,484	$143,223	$-7,156