Civic Intelligence

Central Ct Chambers of Commerce

EIN 06-0273370 • 501(c)6 • Bristol, CT

Profile

Business working together to promote regional prosperity and community vitality.

440 North Main StreetBristol, CT 06010

centralctchambers.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

61st percentile

0.11x

Higher debt load relative to assets than 61% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

68th percentile

0.16x

Higher debt load relative to revenue than 68% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Net Margin

37th percentile

-0.1%

Higher net margin than 37% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

78th percentile

$120,000

Higher top officer pay than 78% of similar nonprofits.

Top officer pay equals 18.8% of source-year revenue.

501(c)6 • $500k-$1M nonprofits • Source year 2024

Asset Growth

72nd percentile

13%

Faster asset growth than 72% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

27th percentile

-3.6%

Faster revenue growth than 27% of similar nonprofits.

501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets61st percentile

Assets

Up

$959,393

Up $113,829 (+13%) from 2023

Liabilities

Up

$102,486

Up $1,749 (+1.7%) from 2023

Net Assets

Up

$856,907

Up $112,080 (+15%) from 2023

Operations
Liabilities / Revenue68th percentileNet Margin37th percentile

Revenue

Down

$636,704

Down $23,738 (-3.6%) from 2023

Expenses

Down

$637,617

Down $142,852 (-18%) from 2023

Net Income

Up

-$913

Up $119,114 (+99%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth72nd percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$1.5M$1.0M$500K$0Assets 2011: $726,632Liabilities 2011: $101,508Net Assets 2011: $625,1242011Assets 2012: $675,072Liabilities 2012: $115,670Net Assets 2012: $559,4022012Assets 2013: $655,998Liabilities 2013: $140,423Net Assets 2013: $515,5732013Assets 2014: $863,686Liabilities 2014: $224,317Net Assets 2014: $639,3692014Assets 2015: $652,969Liabilities 2015: $154,579Net Assets 2015: $498,3902015Assets 2016: $613,887Liabilities 2016: $98,861Net Assets 2016: $515,0262016Assets 2017: $722,004Liabilities 2017: $132,727Net Assets 2017: $589,2772017Assets 2018: $678,336Liabilities 2018: $110,425Net Assets 2018: $567,9112018Assets 2019: $860,586Liabilities 2019: $161,827Net Assets 2019: $698,7592019Assets 2020: $1,032,994Liabilities 2020: $160,934Net Assets 2020: $872,0602020Assets 2021: $1,286,915Liabilities 2021: $138,082Net Assets 2021: $1,148,8332021Assets 2022: $882,451Liabilities 2022: $91,564Net Assets 2022: $790,8872022Assets 2023: $845,564Liabilities 2023: $100,737Net Assets 2023: $744,8272023Assets 2024: $959,393Liabilities 2024: $102,486Net Assets 2024: $856,9072024

Highlighted filing

2024

Assets$959,393
Liabilities$102,486
Net Assets$856,907
Open 2024 Filing

Operations Trend

Revenue Growth27th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$1.0M$500K$0-$500KRevenue 2011: $500,967Expenses 2011: $605,390Net Income 2011: -$104,4232011Revenue 2012: $585,992Expenses 2012: $651,714Net Income 2012: -$65,7222012Revenue 2013: $593,666Expenses 2013: $637,495Net Income 2013: -$43,8292013Revenue 2014: $641,193Expenses 2014: $729,593Net Income 2014: -$88,4002014Revenue 2015: $730,875Expenses 2015: $869,860Net Income 2015: -$138,9852015Revenue 2016: $679,129Expenses 2016: $723,970Net Income 2016: -$44,8412016Revenue 2017: $574,524Expenses 2017: $598,138Net Income 2017: -$23,6142017Revenue 2018: $534,937Expenses 2018: $522,159Net Income 2018: $12,7782018Revenue 2019: $504,541Expenses 2019: $505,980Net Income 2019: -$1,4392019Revenue 2020: $459,942Expenses 2020: $414,762Net Income 2020: $45,1802020Revenue 2021: $576,160Expenses 2021: $526,156Net Income 2021: $50,0042021Revenue 2022: $773,515Expenses 2022: $705,666Net Income 2022: $67,8492022Revenue 2023: $660,442Expenses 2023: $780,469Net Income 2023: -$120,0272023Revenue 2024: $636,704Expenses 2024: $637,617Net Income 2024: -$9132024

Highlighted filing

2024

Revenue$636,704
Expenses$637,617
Net Income-$913
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$959,393
Liabilities
$102,486
Net assets
$856,907
Revenue
$636,704
Expenses
$637,617
Net income
-$913
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.96$0.10$0.86$0.64$0.64$0.00
2023Detailed filing. Detailed filing data is available for this year.$0.85$0.10$0.74$0.66$0.78$0.12
2022Detailed filing. Detailed filing data is available for this year.$0.88$0.09$0.79$0.77$0.71$0.07
2021Detailed filing. Detailed filing data is available for this year.$1.29$0.14$1.15$0.58$0.53$0.05
2020Detailed filing. Detailed filing data is available for this year.$1.03$0.16$0.87$0.46$0.41$0.05
2019Detailed filing. Detailed filing data is available for this year.$0.86$0.16$0.70$0.50$0.51$0.00
2018Detailed filing. Detailed filing data is available for this year.$0.68$0.11$0.57$0.53$0.52$0.01
2017Summary only. Only limited summary data is available for this year.$0.72$0.13$0.59$0.57$0.60$0.02
2016Summary only. Only limited summary data is available for this year.$0.61$0.10$0.52$0.68$0.72$0.04
2015Summary only. Only limited summary data is available for this year.$0.65$0.15$0.50$0.73$0.87$0.14
2014Summary only. Only limited summary data is available for this year.$0.86$0.22$0.64$0.64$0.73$0.09
2013Summary only. Only limited summary data is available for this year.$0.66$0.14$0.52$0.59$0.64$0.04
2012Summary only. Only limited summary data is available for this year.$0.68$0.12$0.56$0.59$0.65$0.07
2011Summary only. Only limited summary data is available for this year.$0.73$0.10$0.63$0.50$0.61$0.10
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 1, 2025
Return Version
2024v5.0
Gross Receipts
$747,575
Mission and Program Overview

Mission

Business working together to promote regional prosperity and community vitality.

Balance Sheet Detail
LineBeginningEndChange
Assets
Investments in Publicly Traded Securities$682,164$773,754▲ $91,590
Cash and Non-Interest-Bearing Accounts$1,217$94,269▲ $93,052
Savings and Temporary Cash Investments$128,379$71,412▼ $56,967
Prepaid Expenses and Deferred Charges$9,871$16,467▲ $6,596
Accounts Receivable$14,134--
Pledges and Grants Receivable$4,130--
Land, Buildings, and Equipment, Net$5,669$3,491▼ $2,178
Total Assets$845,564$959,393▲ $113,829
Liabilities
Deferred Revenue$76,265$68,315▼ $7,950
Accounts Payable and Accrued Expenses$24,472$34,171▲ $9,699
Total Liabilities$100,737$102,486▲ $1,749
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$744,827$856,907▲ $112,080
Total Net Assets Fund Balance$744,827$856,907▲ $112,080
Total Liabilities and Net Assets / Fund Balance$845,564$959,393▲ $113,829

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$3,491$21,913$25,404
Equipment-$11,004$11,004
Compensation and Service Providers
Top Officer Pay78th percentile

Employees

NameTitleFull / Part TimeBaseTotal
KATIE D'AGOSTINOPresident/ CFT$120,000$120,000

Board Members and Trustees

NameTitle
Christine MalayChair
Michael SweeneyVice Chair
Blaire BouchardDirector
Christine DestafanoDirector
Dean GrecoDirector
Ed BenecchiDirector
Eddie CunninghamDirector
Elizabeth SheridanDirector
Eric LiegeotDirector
John SeagraveDirector
Kris LuckeDirector
Kyle BiddickDirector
Lissa JenningsDirector
Mary EtterDirector
Michael PrentissDirector
Ryan AllaireDirector
Ryan CarrierDirector
SEAN O'BRIENDirector
Sandy MarinoDirector
Shelly BoveDirector
Thom SmithDirector
Tim AjayiDirector
Tony ParentiDirector
Paul LavoieImmediate Pa
Charlie MccormickSecretary
Chris HyersTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$331,377
Investment Income
$59,396
Other Revenue
$245,931
Change in Net Assets
$-913
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$389,048
Other Expenses$248,569
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages---$217,764
Current Officers, Directors, Trustees, and Key Employees---$120,000
Conferences and Meetings---$57,551
Occupancy---$45,642
Information Technology---$36,543
Fees for Services Other---$31,803
Payroll Taxes---$29,574
Office Expenses---$24,299
Other Employee Benefits---$21,710
Insurance---$5,271
Depreciation Depletion---$4,196
Other Expenses---$3,012
Advertising---$1,417
Fees for Services Accounting---$1,225
Total Functional Expenses$0$0$0$637,617
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$158,262
Fundraising Direct Expenses$80,071
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Tournament$65,795$65,795$34,832$30,963
Annual Dinner$48,265$48,265$22,492$25,773
Total Events$158,262$158,262$80,071$78,191
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
Yes
Subject to proxy tax
Yes
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
No
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 6

“The chamber is a organization of members.”

Form 990, Page 6, Part VI, Line 7A

“The members of the organization elect the board of directors.”

Form 990, Page 6, Part VI, Line 7B

“The board of directors apporves the activities of the officers.”

Form 990, Page 6, Part VI, Line 11B

“The president reviews the form 990 before the return is filed. A copy of the return is on file and available for review upon request.”

Form 990, Page 6, Part VI, Line 15A

“The finance committee reviews and recommends the ceo's salary. The executive committee reviews and approved the recommendation.”

Form 990, Page 6, Part VI, Line 19

“Inspection of the organization's documents is available at the organization's office.”

Filing and Contact Details

Filer

Filer Name
Central Ct Chambers of Commerce
EIN
06-0273370
Phone
8605844718
Address
440 NORTH MAIN STREET, BRISTOL, CT 06010

Signing Officer

Name
KATIE D'AGOSTINO
Title
President/ CEO
Phone
8605844718
Signed
2025-05-01
Discuss with paid preparer
Yes

Organization Details

Principal Officer
KATIE D'AGOSTINO
Formed
1889
Legal Domicile
Ct
Voting Board Members
18
Independent Board Members
18
Employees
7
Volunteers
20

Preparer

Firm
Adams Samartino & Company Pc
Address
751 FARMINGTON AVE, BRISTOL, CT 06010
Preparer
Kyle S Biddick CPA
Phone
8605838675
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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT/ C
IRS990/Form990PartVIISectionAGrp/TitleTxt1DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14IMMEDIATE PA
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26VICE CHAIR
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IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0THE CHAMBER IS A ORGANIZATION OF MEMBERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1THE MEMBERS OF THE ORGANIZATION ELECT THE BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2THE BOARD OF DIRECTORS APPORVES THE ACTIVITIES OF THE OFFICERS.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt3THE PRESIDENT REVIEWS THE FORM 990 BEFORE THE RETURN IS FILED. A COPY OF THE RETURN IS ON FILE AND AVAILABLE FOR REVIEW UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt4THE FINANCE COMMITTEE REVIEWS AND RECOMMENDS THE CEO'S SALARY. THE EXECUTIVE COMMITTEE REVIEWS AND APPROVED THE RECOMMENDATION.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt5INSPECTION OF THE ORGANIZATION'S DOCUMENTS IS AVAILABLE AT THE ORGANIZATION'S OFFICE.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 6, PART VI, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 7A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 7B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc3FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc4FORM 990, PAGE 6, PART VI, LINE 15A
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc5FORM 990, PAGE 6, PART VI, LINE 19
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