MIDDLEBURY CHAMBER OF COMMERCE INC (EIN 352046028) - 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

2002

Legal Domicile

Principal Officer

JAMES HANSEN

Phone

5748254300

Tax Period

2023-01-01 to 2023-12-31

MIDDLEBURY CHAMBER OF COMMERCE INC, founded in 2002, is a small nonprofit that reported $185K in total revenue in fiscal year 2023. Expenses of $220K exceeded revenue, resulting in a 19% operating deficit.

Mission

PROMOTE AND STIMULATE CIVIC BUSINESS, COMMERCIAL, INDUSTRIAL AND AGRI INTEREST

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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 $126,363

Program Service Revenue $0

Investment Income $6

Other Revenue $58,311

TOTAL REVENUE $184,680

Expense Breakdown

Grants Paid $0

Salaries & Benefits $144,323

Fundraising Expenses $4,884

Other Expenses $75,680

TOTAL EXPENSES $220,003

Year-over-Year Comparison

	2023	2022	Change
Revenue	$184,680	$192,408	0.0%
Expenses	$220,003	$189,565	+0.2%
Net Income	$-35,323	$2,843	-13.4%

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

N/A

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
JAMES HANSEN	PRESIDENT	2.00	Officer	$0	$0	$0
CALVIN HELMUTH	VICE PRESIDENT	2.00	Officer	$0	$0	$0
KENT YODER	TREASURER/SECRETARY	2.00	Officer	$0	$0	$0
JEREMY MILLER	DIRECTOR	2.00	Director	$0	$0	$0
JASON SNYDER	DIRECTOR	2.00	Director	$0	$0	$0
JASON BONTRAGER	DIRECTOR	2.00	Director	$0	$0	$0
AMANDA SCHUTZ	DIRECTOR	2.00	Director	$0	$0	$0
JON SCHLABACH	DIRECTOR	2.00	Director	$0	$0	$0
JIM NEFF	PRESIDENT	N/A		$0	$0	$0
SHARON L HOWLAND	DIRECTOR	40.00	Highest	$77,500	$0	$77,500

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	$184,680	$220,003	$92,057	$-35,323
2022	$192,408	$189,565	$107,816	$2,843
2019	$202,612	$165,313	$124,487	$37,299

MIDDLEBURY CHAMBER OF COMMERCE INC