SARATOGA CHAMBER OF COMMERCE (EIN 941618236) - 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

1955

Legal Domicile

Principal Officer

TIGER TEERLINK

Phone

4088670753

Tax Period

2023-01-01 to 2023-12-31

SARATOGA CHAMBER OF COMMERCE, founded in 1955, is a small nonprofit that reported $129K in total revenue in fiscal year 2023.

Mission

THE SARATOGA CHAMBER OF COMMERCE IS ORGANIZED FOR THE PURPOSE OF PROMOTING AND DEVELOPING THE LOCAL BUSINESS COMMUNITY. A MONTHLY NEWSLETTER IS SENT TO ALL MEMBERS AND A BUSINESS MIXER IS HOSTED FOR ALL MEMBERS, GUESTS AND PERSPECTIVE MEMBERS. A WEBSITE IS MAINTAINED TO INFORM VISITORS TO THE SITE OF UPCOMING EVENTS AS WELL AS PROVIDE MEMBER CONTACT INFORMATION.

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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 $36,335

Program Service Revenue $31,088

Investment Income $21

Other Revenue $62,012

TOTAL REVENUE $129,456

Expense Breakdown

Grants Paid $0

Salaries & Benefits $67,940

Fundraising Expenses $0

Other Expenses $65,551

TOTAL EXPENSES $133,491

Year-over-Year Comparison

	2023	2022	Change
Revenue	$129,456	$135,186	0.0%
Expenses	$133,491	$125,178	+0.1%
Net Income	$-4,035	$10,008	-1.4%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIGER TEERLINK	President	2.50	Officer Director	$0	$0	$0
FRANK BEHNKE	Vice President	2.50	Director	$0	$0	$0
MARK CHAPMAN	Director	2.50	Director	$0	$0	$0
VICKI SEELIG	Trea/Pres-Elect	2.50	Officer Director	$0	$0	$0
TINA HOWARD	Director	2.50	Director	$0	$0	$0
AMANDA HAWKINS	Director	0.00	Director	$0	$0	$0
JIM CARGILL	Director	2.50	Director	$0	$0	$0
ANJEANETTE OHM	Director	2.50	Director	$0	$0	$0
MARIA REES	Director	2.50	Director	$0	$0	$0
DEVIN SINGH	Director	2.50	Director	$0	$0	$0
KRISTINA RUST	Director	2.50	Director	$0	$0	$0
GARY SMITH	Secretary	2.50	Officer Director	$0	$0	$0
STEVEN SMITH	Director	2.50	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
2023	$129,456	$133,491	$50,875	$-4,035

SARATOGA CHAMBER OF COMMERCE