CONNEAUT CHAMBER OF COMMERCE (EIN 340161225) - 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

1906

Legal Domicile

Principal Officer

JEFFREY RAISIAN

Phone

4405932402

Tax Period

2019-01-01 to 2019-12-31

CONNEAUT CHAMBER OF COMMERCE, founded in 1906, is a micro nonprofit that reported $50K in total revenue in fiscal year 2019. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $45K left a modest 10% surplus.

Mission

TO PROVIDE SUPPORT FOR AREA COMMUNITY BUSINESS, AS WELL AS LOCAL SERVICE ORGANIZATIONS AND BE A SOURCE FOR LOCAL TOURISM INFORMATION.

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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 (2019)

Revenue Breakdown

Contributions & Grants $29,544

Program Service Revenue $11,882

Investment Income $86

Other Revenue $8,791

TOTAL REVENUE $50,303

Expense Breakdown

Grants Paid $0

Salaries & Benefits $25,053

Fundraising Expenses $0

Program Expenses $41,527

Other Expenses $20,127

TOTAL EXPENSES $45,180

Year-over-Year Comparison

	2019	2018	Change
Revenue	$50,303	$44,966	+0.1%
Expenses	$45,180	$36,490	+0.2%
Net Income	$5,123	$8,476	-0.4%

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

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

$22,050

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
WENDY DUBEY	EXECUTIVE DIRECTOR	15.00	Key Emp	$22,050	$0	$22,050
KATHY ZAPPITELLO	PRESIDENT	5.00	Officer	$0	$0	$0
PENNY ARMENI	1ST VICE PRESIDENT	1.00	Officer	$0	$0	$0
LORI STEVENS	2ND VICE PRESIDENT	1.00	Officer	$0	$0	$0
AARON JOSLIN	TREASURER	1.00	Officer	$0	$0	$0
GABRIEL CELLINI	DIRECTOR	1.00	Director	$0	$0	$0
ROBBIE DEAN	DIRECTOR	1.00	Director	$0	$0	$0
JEFFREY RAISIAN	DIRECTOR PAST PRES.	1.00	Director	$0	$0	$0
IVY CORLEW	DIRECTOR	1.00	Director	$0	$0	$0
JAMES HOCKADAY	DIRECTOR	1.00	Director	$0	$0	$0
TIM KRAUS	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS FENDER	DIRECTOR	1.00	Director	$0	$0	$0
JERRY ORLANDO	DIRECTOR	1.00	Director	$0	$0	$0
BARBARA GURTO	DIRECTOR	1.00	Director	$0	$0	$0
KIMBERLY THOMPSON	DIRECTOR	1.00	Director	$0	$0	$0
LORI RILEY	DIRECTOR	1.00	Director	$0	$0	$0
JACK PRAUSE	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
2019	$50,303	$45,180	$72,298	$5,123
2018	$44,966	$36,490	$67,244	$8,476

CONNEAUT CHAMBER OF COMMERCE