ST GERMAIN CHAMBER OF COMMERCE (EIN 390992103) - 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

1958

Legal Domicile

Principal Officer

ANGELA FOULKS

Phone

7154772205

Tax Period

2025-01-01 to 2025-12-31

ST GERMAIN CHAMBER OF COMMERCE, founded in 1958, is a small nonprofit that reported $535K in total revenue in fiscal year 2025.

Mission

PROMOTION OF THE BUSINESS AND CIVIC COMMUNITY OF THE ST GERMAIN AREA. TO ACTIVELY PURSUE ORDERLY RECREATIONAL AND COMMUNITY GROWTH. TO SPONSOR AND SUPERVISE THE OPERATION OF THE ST GERMAIN INFORMATION BUREAU.

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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 $406,278

Program Service Revenue $88,923

Investment Income $65

Other Revenue $39,783

TOTAL REVENUE $535,049

Expense Breakdown

Grants Paid $0

Salaries & Benefits $146,263

Fundraising Expenses $0

Other Expenses $407,063

TOTAL EXPENSES $553,326

Year-over-Year Comparison

	2025	2024	Change
Revenue	$535,049	$508,765	+0.1%
Expenses	$553,326	$441,797	+0.3%
Net Income	$-18,277	$66,968	-1.3%

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
DON ELSTROM	DIRECTOR	1.00	Director	$0	$0	$0
BOBBIE HAMS	DIRECTOR	1.00	Director	$0	$0	$0
RON RHODES	DIRECTOR	1.00	Director	$0	$0	$0
SHAMARA VANARK	DIRECTOR	1.00	Director	$0	$0	$0
JAMES VOGEL	DIRECTOR	1.00	Director	$0	$0	$0
ANGELA FOULKS	PRESIDENT	5.00	Officer	$0	$0	$0
WILLIAM HUMPHREY	VICE PRESIDE	1.00	Officer	$0	$0	$0
BROOKE SORENSEN	SECRETARY	1.00	Officer	$0	$0	$0
SCOT THOMPSON	TREASURER	5.00	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	$535,049	$553,326	$719,979	$-18,277
2024	$508,765	$441,797	$790,875	$66,968
2023	$480,054	$383,182	$804,000	$96,872
2022	$608,288	$607,216	$837,161	$1,072
2021	$511,933	$551,157	$871,504	$-39,224
2020	$581,204	$354,322	$858,179	$226,882
2019	$372,202	$346,965	$684,025	$25,237
2018	$331,767	$323,672	$319,877	$8,095

ST GERMAIN CHAMBER OF COMMERCE