One SouthCoast Chamber Inc (EIN 843311136) - 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

2019

Legal Domicile

Principal Officer

Rose Lopes

Phone

5086768226

Tax Period

2025-01-01 to 2025-12-31

One SouthCoast Chamber Inc, founded in 2019, is a community nonprofit in the Community Improvement sector that reported $1.2M in total revenue in fiscal year 2025. Revenue surged 32% from the prior year, signaling strong growth momentum.

Mission

The mission of a Chamber of Commerce is to advocate for local businesses, promote economic development, and enhance the quality of life 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 (2025)

Revenue Breakdown

Contributions & Grants $773,352

Program Service Revenue $410,184

Investment Income $626

Other Revenue $20,520

TOTAL REVENUE $1,204,682

Expense Breakdown

Grants Paid $0

Salaries & Benefits $739,240

Fundraising Expenses $0

Program Expenses $1,021,423

Other Expenses $458,564

TOTAL EXPENSES $1,197,804

Year-over-Year Comparison

	2025	2024	Change
Revenue	$1,204,682	$909,966	+0.3%
Expenses	$1,197,804	$1,129,306	+0.1%
Net Income	$6,878	$-219,340	-1.0%

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

123

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

$152,395

Total Directors

$152,395

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Michael OSullivan	CEOSecretary	40.00	Officer Director	$143,904	$8,491	$152,395
Eileen Migliozzi	Immed Past Chair	1.00	Officer Director	$0	$0	$0
Kim Perry	At Large	1.00	Director	$0	$0	$0
Rose Lopes	Chair	1.00	Officer Director	$0	$0	$0
Matthew Schondek	Treasurer	1.00	Officer Director	$0	$0	$0
William Burns	At Large	1.00	Director	$0	$0	$0
Curtis Nelson	Vice Chair - Small Business	1.00	Officer Director	$0	$0	$0
Doug Glassman	Vice Chair - Governance Committee	1.00	Officer Director	$0	$0	$0
Marie Pellegrino	Director	1.00	Director	$0	$0	$0
Gail Fortes	Vice Chair - DEI	1.00	Officer Director	$0	$0	$0
Paul Chasse	Vice Chair - Govt Affairs	1.00	Officer Director	$0	$0	$0
Stephen W Connulty	Director	1.00	Director	$0	$0	$0
Catherine Dillon	At Large	1.00	Director	$0	$0	$0
Charlie Fellows	Director	1.00	Director	$0	$0	$0
Jeffrey Pagliuca	Director	1.00	Director	$0	$0	$0
Derek Santos	Director	1.00	Director	$0	$0	$0
Matt Zenni	Director	1.00	Director	$0	$0	$0
Nathan Araujo	Director	1.00	Director	$0	$0	$0
Kevin Carando	Director	1.00	Director	$0	$0	$0
Barbara Casagrande	Director	1.00	Director	$0	$0	$0
Lynne Mastera	Director	1.00	Director	$0	$0	$0
Douglas E Rodrigues	Director	1.00	Director	$0	$0	$0
Carl Sawejko	Vice Chair - OSC Foundation Inc	1.00	Officer Director	$0	$0	$0
Bernadette Souza	Director	1.00	Director	$0	$0	$0
Dugan Becker	Director	1.00	Director	$0	$0	$0
Cindy Ko	Director	1.00	Director	$0	$0	$0
Peter Daley	Director	1.00	Director	$0	$0	$0
Mark Fuller	Director	1.00	Director	$0	$0	$0
Monte Ferris	Director	1.00	Director	$0	$0	$0
Gary P Howayeck	Director	1.00	Director	$0	$0	$0
Anthony Medeiros	Director	1.00	Director	$0	$0	$0
Arti Pacheco	Director	1.00	Director	$0	$0	$0
Jeffrey Glassman	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	$1,204,682	$1,197,804	$731,116	$6,878
2024	$909,966	$1,149,306	$731,477	$-239,340
2023	$1,154,452	$1,225,119	$1,025,703	$-70,667
2022	$1,456,448	$1,435,117	$835,523	$21,331
2021	$1,607,262	$1,243,916	$803,149	$363,346
2020	$970,201	$951,246	$553,869	$18,955

One SouthCoast Chamber Inc