Civic Intelligence

Rensselaer County Regional Chamber

EIN 14-1127090 • 501(c)6 • Troy, NY

Profile

The rensselaer county regional chamber of commerce is a business, civic and economic alliance that strives to enhance the economic vitality of rensselaer county and the neighboring gateway communities of cohoes, green island, waterford and watervliet. The chamber also seeks to improve the quality of life in the community for both residents and businesses.

90 Fourth Street 200Troy, NY 12180

www.renscochamber.com

Siviq Scores

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

Liabilities / Assets

92nd percentile

0.67x

Higher debt load relative to assets than 92% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Liabilities / Revenue

97th percentile

1.50x

Higher debt load relative to revenue than 97% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Net Margin

8th percentile

-18%

Higher net margin than 8% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Top Officer Pay

42nd percentile

$112,200

Higher top officer pay than 42% of similar nonprofits.

Top officer pay equals 17.8% of source-year revenue.

501(c)6 • $1M-$5M nonprofits • Source year 2024

Asset Growth

14th percentile

-11%

Faster asset growth than 14% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Revenue Growth

17th percentile

-7.5%

Faster revenue growth than 17% of similar nonprofits.

501(c)6 • $1M-$5M nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets92nd percentile

Assets

Down

$1,415,513

Down $174,586 (-11%) from 2023

Liabilities

Down

$948,192

Down $62,437 (-6.2%) from 2023

Net Assets

Down

$467,321

Down $112,149 (-19%) from 2023

Operations
Liabilities / Revenue97th percentileNet Margin8th percentile

Revenue

Down

$630,735

Down $51,004 (-7.5%) from 2023

Expenses

Down

$745,788

Down $19,886 (-2.6%) from 2023

Net Income

Down

-$115,053

Down $31,118 (-37%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth14th percentile

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

$2.0M$1.5M$1.0M$500K$0Assets 2010: $1,245,652Liabilities 2010: $830,568Net Assets 2010: $415,0842010Assets 2011: $1,276,479Liabilities 2011: $826,059Net Assets 2011: $450,4202011Assets 2012: $1,346,101Liabilities 2012: $873,509Net Assets 2012: $472,5922012Assets 2013: $607,326Liabilities 2013: $99,115Net Assets 2013: $508,2112013Assets 2014: $609,752Liabilities 2014: $155,956Net Assets 2014: $453,7962014Assets 2015: $569,514Liabilities 2015: $135,274Net Assets 2015: $434,2402015Assets 2016: $558,255Liabilities 2016: $145,326Net Assets 2016: $412,9292016Assets 2017: $610,642Liabilities 2017: $118,334Net Assets 2017: $492,3082017Assets 2018: $693,422Liabilities 2018: $119,465Net Assets 2018: $573,9572018Assets 2019: $764,783Liabilities 2019: $135,493Net Assets 2019: $629,2902019Assets 2020: $800,924Liabilities 2020: $329,089Net Assets 2020: $471,8352020Assets 2021: $879,581Liabilities 2021: $320,292Net Assets 2021: $559,2892021Assets 2022: $1,750,504Liabilities 2022: $1,116,141Net Assets 2022: $634,3632022Assets 2023: $1,590,099Liabilities 2023: $1,010,629Net Assets 2023: $579,4702023Assets 2024: $1,415,513Liabilities 2024: $948,192Net Assets 2024: $467,3212024

Highlighted filing

2024

Assets$1,415,513
Liabilities$948,192
Net Assets$467,321
Open 2024 Filing

Operations Trend

Revenue Growth17th percentile

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

$1.0M$500K$0-$500KExpenses 2010: $780,5472010Revenue 2011: $901,130Expenses 2011: $865,794Net Income 2011: $35,3362011Expenses 2012: $887,2252012Revenue 2013: $965,235Expenses 2013: $929,615Net Income 2013: $35,6202013Revenue 2014: $805,827Expenses 2014: $860,242Net Income 2014: -$54,4152014Revenue 2015: $887,393Expenses 2015: $906,949Net Income 2015: -$19,5562015Revenue 2016: $859,924Expenses 2016: $881,235Net Income 2016: -$21,3112016Revenue 2017: $840,686Expenses 2017: $761,307Net Income 2017: $79,3792017Revenue 2018: $868,907Expenses 2018: $787,258Net Income 2018: $81,6492018Revenue 2019: $904,630Expenses 2019: $849,297Net Income 2019: $55,3332019Revenue 2020: $680,472Expenses 2020: $621,968Net Income 2020: $58,5042020Revenue 2021: $775,485Expenses 2021: $701,512Net Income 2021: $73,9732021Revenue 2022: $691,086Expenses 2022: $616,012Net Income 2022: $75,0742022Revenue 2023: $681,739Expenses 2023: $765,674Net Income 2023: -$83,9352023Revenue 2024: $630,735Expenses 2024: $745,788Net Income 2024: -$115,0532024

Highlighted filing

2024

Revenue$630,735
Expenses$745,788
Net Income-$115,053
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$1,415,513
Liabilities
$948,192
Net assets
$467,321
Revenue
$630,735
Expenses
$745,788
Net income
-$115,053
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$1.42$0.95$0.47$0.63$0.75$0.12
2023Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.59$1.01$0.58$0.68$0.77$0.08
2022Detailed filing. Detailed filing data is available for this year.$1.75$1.12$0.63$0.69$0.62$0.08
2021Detailed filing. Detailed filing data is available for this year.$0.88$0.32$0.56$0.78$0.70$0.07
2020Detailed filing. Detailed filing data is available for this year.$0.80$0.33$0.47$0.68$0.62$0.06
2019Detailed filing. Detailed filing data is available for this year.$0.76$0.14$0.63$0.90$0.85$0.06
2018Detailed filing. Detailed filing data is available for this year.$0.69$0.12$0.57$0.87$0.79$0.08
2017Detailed filing. Detailed filing data is available for this year.$0.61$0.12$0.49$0.84$0.76$0.08
2016Detailed filing. Detailed filing data is available for this year.$0.56$0.15$0.41$0.86$0.88$0.02
2015Detailed filing. Detailed filing data is available for this year.$0.57$0.14$0.43$0.89$0.91$0.02
2014Detailed filing. Detailed filing data is available for this year.$0.61$0.16$0.45$0.81$0.86$0.05
2013Detailed filing. Detailed filing data is available for this year.$0.61$0.10$0.51$0.97$0.93$0.04
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.35$0.87$0.47$0.89
2011Summary only. Only limited summary data is available for this year.$1.28$0.83$0.45$0.90$0.87$0.04
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.25$0.83$0.42$0.78
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Nov 17, 2025
Return Version
2024v5.2
Gross Receipts
$833,007
Mission and Program Overview

Mission

The rensselaer county regional chamber of commerce is a business, civic and economic alliance that strives to enhance the economic vitality of rensselaer county and the neighboring gateway communities of cohoes, green island, waterford and watervliet. The chamber also seeks to improve the quality of life in the community for both residents and businesses.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$774,654$721,903▼ $52,751
Savings and Temporary Cash Investments$437,458$438,537▲ $1,079
Cash and Non-Interest-Bearing Accounts$288,812$163,058▼ $125,754
Accounts Receivable$37,426$30,780▼ $6,646
Prepaid Expenses and Deferred Charges$22,707$29,289▲ $6,582
Total Assets$1,590,099$1,415,513▼ $174,586
Other Assets Total$29,042$31,946▲ $2,904
Liabilities
Other Liabilities$774,788$726,802▼ $47,986
Deferred Revenue$190,776$172,195▼ $18,581
Accounts Payable and Accrued Expenses$45,065$49,195▲ $4,130
Total Liabilities$1,010,629$948,192▼ $62,437
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$532,179$417,881▼ $114,298
Net Assets With Donor Restrictions$47,291$49,440▲ $2,149
Total Net Assets Fund Balance$579,470$467,321▼ $112,149
Total Liabilities and Net Assets / Fund Balance$1,590,099$1,415,513▼ $174,586

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$714,920$27,698$742,618
Equipment$6,983$68,820$75,803
Compensation and Service Providers
Top Officer Pay42nd percentile

Employees

NameTitleFull / Part TimeBaseTotal
Norris PearsonPresidentFT$112,200$112,200

Board Members and Trustees

NameTitle
Mike HamelBoard Chair
Bryce CutlerMembership Chair
Kendra HartWe Advance Chair
Jason AbareVice President
Aaron FaganBoard Member
Bob ShevyBoard Member
Brenda DickinsonBoard Member
Brian J WilliamsBoard Member
Claudia ButlerBoard Member
Dennis KennedyBoard Member
James MonksBoard Member
Jason ChevrierBoard Member
Joe BonillaBoard Member
Kelli ArnoldBoard Member
Kim BakerBoard Member
Mark DuffyBoard Member
Natalie OrcuttBoard Member
Pat HughesBoard Member
Paul KellyBoard Member
Rachael E Capo EsqBoard Member
Russell HutaBoard Member
Starletta R SmithBoard Member
Tara WhittleBoard Member
Timothy KostoBoard Member
Tobi SaulnierBoard Member
Joanmarie Dowling EsqEx Offcio Legal Counsel
Christopher LoszynskiTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$19,316
Program Service Revenue
$575,737
Investment Income
$1,087
Other Revenue
$34,595
Change in Net Assets
$-115,053

Audited Revenue Reconciliation

Revenue per Audited Statements
$630,735
Revenue Not Reported on Financial Statements
$0
Revenue Not Reported on Form 990
$205,176
Total Revenue per Audited Statements
$835,911
Total Revenue per Form 990
$630,735
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$386,054
Other Expenses$359,734
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$202,284$115,296-$317,580
Occupancy$37,870$33,121-$70,991
Other Employee Benefits$43,601$24,873-$68,474
Information Technology$33,705$29,478-$63,183
Fees for Services Accounting-$58,500-$58,500
Office Expenses$9,806$23,139-$32,945
Other Expenses$18,013--$18,013
Conferences and Meetings$5,986$5,236-$11,222
Advertising$9,923--$9,923
Travel$5,249$4,590-$9,839
Depreciation Depletion$4,675$4,088-$8,763
Fees for Services Other-$8,605-$8,605
Insurance$4,502$3,937-$8,439
Fees for Services Legal-$1,775-$1,775
Interest-$355-$355
Total Functional Expenses$432,795$312,993$0$745,788

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Audited Statements$948,060
Expenses per Audited Statements$745,788
Total Expenses per Form 990$745,788
Expenses Not Reported on Form 990$202,272
Expenses Not Reported on Financial Statements$0
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$236,867
Fundraising Direct Expenses$202,272
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Golf Outing$85,378$85,378$24,361$61,017
Stroll$35,800$35,800$44,418$-8,618
Total Events$236,867$236,867$202,272$34,595
Political and Lobbying Activity
Political campaign activity
No
Subject to proxy tax
No
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
Operating Lease Liability$708,521
Financing Lease Liability$18,281
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section A, Line 6

“Members consist of diverse businesses and community organizations.”

Form 990, Part VI, Section A, Line 7A

“The chamber collects nominations for potential board members throughout the year. A nominating committee then recommends a slate of candidates from across the region who represent diverse business industries and non-profit organizations. Ballots are then mailed to all active members of the chamber who vote on the proposed candidates.”

Form 990, Part VI, Section B, Line 11B

“A draft copy of the form 990 was provided to each board member for their review and comments before the final form was filed with the internal revenue service.”

Form 990, Part VI, Section B, Line 12C

“This is monitored annually at a board of directors meeting.”

Form 990, Part VI, Section B, Line 15A

“The executive directors compensation is determined by a committee of the board of directors.”

Form 990, Part VI, Section C, Line 19

“The chamber makes its governing documents, conflict of interest policy and financial statements available to the public upon request.”

Filing and Contact Details

Filer

Filer Name
Rensselaer County Regional Chamber
EIN
14-1127090
Phone
5182747020
Address
90 FOURTH STREET 200, TROY, NY 12180

Signing Officer

Name
Aaron Fagan
Title
Treasurer
Phone
5182747020
Signed
2025-11-17
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Aaron Fagan
Formed
1900
Legal Domicile
Ny
Voting Board Members
28
Independent Board Members
28
Employees
9
Volunteers
16

Preparer

Firm
WOJESKI & COMPANY CPA'S PC
Address
159 WOLF RD, ALBANY, NY 12205
Preparer
Jillian M Gale CPA
Phone
5184771102
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Change in beneficial interest in assets held in van rensselaer fund 2,904.”

Financial Statement Notes

PART X, LINE 2:

“The internal revenue service has determined that the chamber is exempt from federal income tax under section 501(c)(6) of the internal revenue code. The chamber has adopted the provisions of fasb asc 740-10, accounting for uncertainty in income taxes. Management evaluated the chamber's tax positions, including interest and penalties attributable thereto, and concluded that the chamber had taken no tax positions that required adjustment in its financial statements as of december 31, 2024 and 2023. The chamber's information return filings are subject to examination by various taxing authorities up to three years from the extended due date of each return. The chamber is no longer subject to examinations by taxing authorities for the fiscal years ending prior to december 31, 2021. Currently there are no examinations in progress nor has the chamber been informed of any pending examination.”

PART XI, LINE 2D - OTHER ADJUSTMENTS:

“Fundraising expenses 202,272. Change in beneficial interest 2,904.”

PART XII, LINE 2D - OTHER ADJUSTMENTS:

“Fundraising expenses 202,272.”

Raw XML AppendixShowing 400 of 576 raw XML fields

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/ActivityOrMissionDesc0THE RENSSELAER COUNTY REGIONAL CHAMBER OF COMMERCE IS A BUSINESS, CIVIC AND ECONOMIC ALLIANCE THAT STRIVES TO ENHANCE THE ECONOMIC VITALITY OF RENSSELAER COUNTY AND THE NEIGHBORING GATEWAY COMMUNITIES OF COHOES, GREEN ISLAND, WATERFORD AND WATERVLIET. THE CHAMBER ALSO SEEKS TO IMPROVE THE QUALITY OF LIFE IN THE COMMUNITY FOR BOTH RESIDENTS AND BUSINESSES.
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IRS990/Form990PartVIISectionAGrp/PersonNm5CHRISTOPHER LOSZYNSKI
IRS990/Form990PartVIISectionAGrp/PersonNm6STARLETTA R SMITH
IRS990/Form990PartVIISectionAGrp/PersonNm7BRIAN J WILLIAMS
IRS990/Form990PartVIISectionAGrp/PersonNm8KELLI ARNOLD
IRS990/Form990PartVIISectionAGrp/PersonNm9RACHAEL E CAPO ESQ
IRS990/Form990PartVIISectionAGrp/PersonNm10TIMOTHY KOSTO
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IRS990/Form990PartVIISectionAGrp/PersonNm12CLAUDIA BUTLER
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IRS990/Form990PartVIISectionAGrp/PersonNm15BRENDA DICKINSON
IRS990/Form990PartVIISectionAGrp/PersonNm16JOANMARIE DOWLING ESQ
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IRS990/Form990PartVIISectionAGrp/PersonNm18PAUL KELLY
IRS990/Form990PartVIISectionAGrp/PersonNm19DENNIS KENNEDY
IRS990/Form990PartVIISectionAGrp/PersonNm20JAMES MONKS
IRS990/Form990PartVIISectionAGrp/PersonNm21TOBI SAULNIER
IRS990/Form990PartVIISectionAGrp/PersonNm22BOB SHEVY
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IRS990/Form990PartVIISectionAGrp/PersonNm27NATALIE ORCUTT
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IRS990/Form990PartVIISectionAGrp/TitleTxt3WE ADVANCE CHAIR
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IRS990/Form990PartVIISectionAGrp/TitleTxt5TREASURER
IRS990/Form990PartVIISectionAGrp/TitleTxt6BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt7BOARD MEMBER
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IRS990/Form990PartVIISectionAGrp/TitleTxt11BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt12BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt13BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt14MEMBERSHIP CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt15BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt16EX OFFCIO LEGAL COUNSEL
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IRS990/Form990PartVIISectionAGrp/TitleTxt18BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt19BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt20BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt21BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt22BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt23BOARD MEMBER
IRS990/Form990PartVIISectionAGrp/TitleTxt24PRESIDENT
IRS990/Form990PartVIISectionAGrp/TitleTxt25VICE PRESIDENT
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IRS990/Form990PartVIISectionAGrp/TitleTxt27BOARD MEMBER
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IRS990/MethodOfAccountingAccrualInd0X
IRS990/MinutesOfCommitteesInd01
IRS990/MinutesOfGoverningBodyInd01
IRS990/MissionDesc0THE RENSSELAER COUNTY REGIONAL CHAMBER OF COMMERCE IS A BUSINESS, CIVIC AND ECONOMIC ALLIANCE THAT STRIVES TO ENHANCE THE ECONOMIC VITALITY OF RENSSELAER COUNTY AND THE NEIGHBORING GATEWAY COMMUNITIES OF COHOES, GREEN ISLAND, WATERFORD AND WATERVLIET. THE CHAMBER ALSO SEEKS TO IMPROVE THE QUALITY OF LIFE IN THE COMMUNITY FOR BOTH RESIDENTS AND BUSINESSES.
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IRS990/ProgramServiceRevenueGrp/Desc0MEMBER SERVICES
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IRS990/ProgSrvcAccomActy2Grp/Desc0PUBLICATIONS CONTAIN A MONTHLY NEWSLETTER AND A QUALITY OF LIFE PIECE
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IRS990/ProgSrvcAccomActy3Grp/Desc0MONTHLY EVENTS (BREAKFASTS AND LUNCHES) ARE DESIGNED TO INFORM, EDUCATE AND ASSIST MEMBER BUSINESSES
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IRS990/PYGrantsAndSimilarPaidAmt00
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