YARMOUTH CHAMBER OF COMMERCE INC (EIN 463648407) - 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

2013

Legal Domicile

Principal Officer

DAVID BOTTING

Phone

5083989300

Tax Period

2024-10-01 to 2025-09-30

YARMOUTH CHAMBER OF COMMERCE INC, founded in 2013, is a small nonprofit in the Community Improvement sector that reported $674K in total revenue in fiscal year 2024.

Mission

YCC SUPPORTS ECONOMIC GROWTH, PROMOTES TOURISM, AND ENGAGES IN EFFORTS THAT CONTRIBUTE TO A THRIVING QUALITY OF LIFE YEAR-ROUND

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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 (2024)

Revenue Breakdown

Contributions & Grants $537,729

Program Service Revenue $89,918

Investment Income $13,578

Other Revenue $32,761

TOTAL REVENUE $673,986

Expense Breakdown

Grants Paid $0

Salaries & Benefits $288,052

Fundraising Expenses $0

Other Expenses $379,589

TOTAL EXPENSES $667,641

Year-over-Year Comparison

	2024	2023	Change
Revenue	$673,986	$698,648	0.0%
Expenses	$667,641	$646,219	+0.0%
Net Income	$6,345	$52,429	-0.9%

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

$84,149

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID BOTTING	TREASURER	3.00	Officer Director	$0	$0	$0
BRETT HUSAK	DIRECTOR	3.00	Director	$0	$0	$0
HOLLIE SOUZA	BOARD CHAIR	3.00	Officer Director	$0	$0	$0
SCOTT GILMORE	DIRECTOR	1.00	Director	$0	$0	$0
MARY LENIHAN	DIRECTOR	1.00	Director	$0	$0	$0
ANN MILLET	DIRECTOR	1.00	Director	$0	$0	$0
MIKE DAVIS	VICE PRESIDENT	3.00	Officer Director	$0	$0	$0
DIANE MCPHERSON	DIRECTOR	1.00	Director	$0	$0	$0
RYAN O'LOUGHLIN	DIRECTOR	1.00	Director	$0	$0	$0
CAROL WOODBURY	DIRECTOR	1.00	Director	$0	$0	$0
MARY VILBON	PRESIDENT/CEO	40.00	Officer	$84,149	$0	$84,149

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	$673,986	$667,641	$727,434	$6,345
2024	$698,648	$646,219	$723,667	$52,429
2023	$726,270	$635,738	$661,145	$90,532
2022	$801,704	$700,062	$579,574	$101,642
2021	$532,610	$390,241	$466,808	$142,369
2020	$496,835	$446,626	$331,121	$50,209
2019	$536,432	$531,030	$281,839	$5,402
2018	$493,724	$473,389	$259,152	$20,335

YARMOUTH CHAMBER OF COMMERCE INC