GARDINER CHAMBER OF COMMERCE (EIN 810257060) - 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

1953

Legal Domicile

Principal Officer

MIKE SKELTON

Phone

4068487971

Tax Period

2023-01-01 to 2023-12-31

GARDINER CHAMBER OF COMMERCE, founded in 1953, is a small nonprofit that reported $334K in total revenue in fiscal year 2023. Revenue fell 24% from the prior year — a significant decline worth monitoring. Expenses of $322K left a modest 4% surplus.

Mission

The Gardiner Chamber of Commerce serves to promote business and tourism in 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 (2023)

Revenue Breakdown

Contributions & Grants $260,628

Program Service Revenue $68,103

Investment Income $5,746

Other Revenue $0

TOTAL REVENUE $334,477

Expense Breakdown

Grants Paid $0

Salaries & Benefits $146,688

Fundraising Expenses $0

Program Expenses $303,962

Other Expenses $175,387

TOTAL EXPENSES $322,075

Year-over-Year Comparison

	2023	2022	Change
Revenue	$334,477	$439,023	-0.2%
Expenses	$322,075	$302,056	+0.1%
Net Income	$12,402	$136,967	-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

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

$55,343

Total Directors

$55,343

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
THERESE PETCOFF	Executive Dir.	40.00	Officer Director	$53,775	$1,568	$55,343
AMANDA HAGGERTY	Director	1.00	Director	$0	$0	$0
DEBBIE MACKEY	Treasurer	1.00	Officer Director	$0	$0	$0
MIKE KELLER	Director	1.00	Director	$0	$0	$0
SARAH ONDRUS	Vice President	1.00	Officer Director	$0	$0	$0
MIKE SKELTON	President	2.00	Officer Director	$0	$0	$0
BRIAN KOSKI	Director	1.00	Director	$0	$0	$0
BILLIE TAYLOR	Director	1.00	Director	$0	$0	$0
TRINA SMITH	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
2024	No data	No data	No data	No data
2023	$334,477	$322,075	$1,489,227	$12,402
2022	$439,023	$302,056	$1,528,228	$136,967
2021	$462,308	$403,304	$1,441,236	$59,004
2020	$397,834	$295,956	$1,429,966	$101,878

GARDINER CHAMBER OF COMMERCE