THE ST MARY CHAMBER OF COMMERCE (EIN 720389496) - 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

1949

Legal Domicile

Principal Officer

ELISABETH CHIASSON

Phone

9853843830

Tax Period

2025-01-01 to 2025-12-31

THE ST MARY CHAMBER OF COMMERCE, founded in 1949, is a small nonprofit in the Community Improvement sector that reported $252K in total revenue in fiscal year 2025.

Mission

THE CHAMBER PROMOTES THE ECONOMIC, EDUCATIONAL, AND GOVERNMENTAL INTERESTS OF THE COMMUNITY; PROMOTES INTEGRITY, JUST AND EQUITABLE PRINCIPALS IN BUSINESS; ACQUIRES AND DISTRIBUTES AREA STATISTICS AND INFORMATION; AND GENERALLY ASSISTS THE ADVANCEMENT AND PROGRESS OF THE COMMUNITY.

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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 $150,575

Program Service Revenue $80,858

Investment Income $3,374

Other Revenue $17,565

TOTAL REVENUE $252,372

Expense Breakdown

Grants Paid $6,250

Salaries & Benefits $129,154

Fundraising Expenses $0

Other Expenses $138,876

TOTAL EXPENSES $274,280

Year-over-Year Comparison

	2025	2024	Change
Revenue	$252,372	$246,552	+0.0%
Expenses	$274,280	$258,810	+0.1%
Net Income	$-21,908	$-12,258	+0.8%

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

$44,965

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ELISABETH CHIASSON	PRESIDENT	40.00	Officer	$44,965	$0	$44,965
ALYSSA CART	TREASURER	1.00	Officer Director	$0	$0	$0
SCOTT BERRY	DIRECTOR	1.00	Director	$0	$0	$0
ANTHONY BAHAM	DIRECTOR	1.00	Director	$0	$0	$0
HOWARD CASTAY	DIRECTOR	1.00	Director	$0	$0	$0
TAMMIE MOORE	PAST CHAIRMA	1.00	Officer Director	$0	$0	$0
LAURA MEADOWS	DIRECTOR	1.00	Director	$0	$0	$0
TIGER VERDIN	PAST-CHAIRMA	1.00	Officer Director	$0	$0	$0
DANIKA FOLEY LONG	DIRECTOR	1.00	Director	$0	$0	$0
BRADY BOREL	CHAIRMAN	1.00	Officer Director	$0	$0	$0
EVAN BOUDREAX	DIRECTOR	1.00	Director	$0	$0	$0
HOLDEN MURRAY	VICE CHAIRMA	1.00	Officer Director	$0	$0	$0
JONATHAN JP HENRY	DIRECTOR	1.00	Director	$0	$0	$0
KRISTAL HEBERT	DIRECTOR	1.00	Director	$0	$0	$0
BLAZE LANDRY	DIRECTOR	1.00	Director	$0	$0	$0
MEAGAN BOURQUE	DIRECTOR	1.00	Director	$0	$0	$0
GREGORY GUARISCO	DIRECTOR	1.00	Director	$0	$0	$0
HARLAN KAPPEL	DIRECTOR	1.00	Director	$0	$0	$0
KARLA VAPPIE	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
2025	$252,372	$274,280	$418,373	$-21,908
2024	$246,552	$258,810	$457,757	$-12,258
2023	$236,541	$255,119	$513,583	$-18,578
2022	$261,722	$216,519	$537,026	$45,203
2021	$208,476	$190,705	$547,683	$17,771
2020	$214,093	$224,755	$530,739	$-10,662
2019	$284,418	$272,907	$544,803	$11,511
2018	$268,196	$269,857	$549,007	$-1,661

THE ST MARY CHAMBER OF COMMERCE