Peterborough Chamber Of Commerce
Peterborough Chamber Of Commerce maintains stable operations with declining assets and no reported officer compensation.
EIN: 20347142 · Peterborough, NH · Updated: 2026-03-28
| Metric | Value |
|---|---|
| Total Revenue | $120K |
| Total Expenses | $79K |
| Program Spending | 80% |
| Net Assets | $17K |
| Transparency Score | 75/100 |
Is Peterborough Chamber Of Commerce Legit?
Some Concerns
Assessment based on IRS 990 filings, spending patterns, and AI analysis. Not a guarantee of legitimacy. Full charity check →
Peterborough Chamber Of Commerce directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Peterborough Chamber Of Commerce
Peterborough Chamber Of Commerce (EIN: 20347142) is a nonprofit organization based in Peterborough, NH. The organization reported total revenue of $120K and total assets of $79K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Peterborough Chamber Of Commerce's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Peterborough Chamber Of Commerce is a small nonprofit that has been operating for 70 years, with 9 years of IRS 990 filings on record (2011–2019). Revenue has grown at a compound annual rate of -5.2%.
Key Financial Metrics (2019)
From the most recent IRS 990 filing on record:
| Total Revenue | $86K |
| Total Expenses | $79K |
| Surplus / Deficit | +$7K |
| Total Assets | $79K |
| Total Liabilities | $62K |
| Net Assets | $17K |
| Operating Margin | 8.0% |
| Debt-to-Asset Ratio | 78.2% |
| Months of Reserves | 11.9 months |
Financial Health Grade: A
In 2019, Peterborough Chamber Of Commerce reported a surplus of $7K with revenue exceeding expenses, holds 11.9 months of operating reserves (strong position), has a debt-to-asset ratio of 78.2% (high leverage).
Financial Trends
Over 9 years of filings (2011–2019), Peterborough Chamber Of Commerce's revenue has declined at a compound annual growth rate (CAGR) of -5.2%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2019 | -16.6% | -29.6% | +12.7% |
| 2018 | -11.3% | -6.1% | -8.1% |
| 2017 | +2.1% | -8.8% | -7.0% |
| 2016 | +1.6% | +3.1% | -13.5% |
| 2015 | -15.1% | -9.7% | -10.5% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1956 |
Classification data from ProPublica Nonprofit Explorer. Additional BMF data may be available after enrichment.
AI Transparency Report
Mission Effectiveness Score
NonprofitSpending's AI analysis rates Peterborough Chamber Of Commerce with a Mission Score of 75 out of 100 (Good). This score reflects the organization's overall financial transparency, program spending efficiency, and governance indicators derived from IRS 990 public filings.
Spending Breakdown
- admin: 15%
- programs: 80%
- fundraising: 5%
According to IRS 990 filings, Peterborough Chamber Of Commerce allocates its expenses as follows: admin: 15%, programs: 80%, fundraising: 5%. With 80% directed toward programs, this reflects a strong commitment to its charitable mission.
Key Financial Metrics (2019)
From the most recent IRS 990 filing on record:
- The organization reported a surplus of $7K, with revenue exceeding expenses.
- Debt-to-asset ratio: 78.2%.
Executive Compensation Analysis
Executive compensation is reported as 0% across all available filings, indicating that officers are either unpaid volunteers or compensated through other means not categorized as officer compensation, which is common for smaller, community-focused organizations like a Chamber of Commerce.
Executive compensation data is sourced from IRS 990 filings, which require nonprofits to disclose the compensation of officers, directors, trustees, and key employees. NonprofitSpending analyzes this data relative to the organization's total revenue and sector benchmarks to assess whether executive pay is reasonable.
Red Flags
The following concerns were identified during AI analysis of Peterborough Chamber Of Commerce's IRS 990 filings:
- Consistent decline in total assets over the past decade (from $131,505 in 2012 to $78,831 in 2019)
- Lack of detailed expense breakdown in provided data limits in-depth spending efficiency analysis
Strengths
The following positive indicators were identified for Peterborough Chamber Of Commerce:
- Consistent IRS 990 filing history, indicating good transparency practices
- No reported officer compensation, suggesting a volunteer-driven or highly efficient leadership structure
- Generally operates within its revenue, avoiding significant deficits
- Stable liabilities relative to assets, indicating manageable debt
Frequently Asked Questions about Peterborough Chamber Of Commerce
Is Peterborough Chamber Of Commerce a legitimate charity?
Peterborough Chamber Of Commerce (EIN: 20347142) is a registered tax-exempt nonprofit based in New Hampshire. Our AI analysis gives it a Mission Score of 75/100. It has 9 years of IRS 990 filings on record. Total revenue: $120K. 2 red flags identified. 4 strengths noted. Financial health grade: A.
How does Peterborough Chamber Of Commerce spend its money?
Peterborough Chamber Of Commerce directs 80% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Peterborough Chamber Of Commerce tax-deductible?
Peterborough Chamber Of Commerce is registered as a tax-exempt nonprofit (EIN: 20347142). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Peterborough Chamber Of Commerce's spending goes to programs?
Peterborough Chamber Of Commerce directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is Peterborough Chamber Of Commerce located?
Peterborough Chamber Of Commerce is headquartered in Peterborough, New Hampshire and files with the IRS under EIN 20347142.
How many years of IRS 990 filings does Peterborough Chamber Of Commerce have?
Peterborough Chamber Of Commerce has 9 years of IRS 990 filings on record at NonprofitSpending. This extensive filing history provides a strong basis for evaluating long-term financial trends. The most recent filing shows $120K in total revenue.
Is Peterborough Chamber Of Commerce financially stable?
Yes, the organization appears financially stable, consistently operating within its means, as evidenced by revenues generally covering expenses. While assets have declined over time, liabilities are manageable, and it reported a surplus in the latest period (201912).
How does the organization's asset decline impact its long-term viability?
The decline in assets from $131,505 in 2012 to $78,831 in 2019 warrants attention. While not immediately critical given stable operations, a continued trend could limit future investment or reserve capacity. However, for a chamber, significant asset accumulation might not be a primary goal.
What is the organization's primary source of revenue?
The provided data does not specify the primary source of revenue, only the total revenue figures. For a Chamber of Commerce, typical sources include membership dues, event fees, and sponsorships.
Filing History
IRS 990 filing history for Peterborough Chamber Of Commerce showing financial trends over 9 years of public records:
Over 9 years of IRS 990 filings (2011–2019), Peterborough Chamber Of Commerce's revenue has declined by 34.7%, moving from $132K to $86K. Total assets decreased by 32.6% over the same period, from $117K to $79K. Total functional expenses fell by 46.9%, from $149K to $79K. In its most recent filing year (2019), Peterborough Chamber Of Commerce reported a surplus of $7K, with revenue exceeding expenses. The organization holds $62K in liabilities against $79K in assets (debt-to-asset ratio: 78.2%), resulting in net assets of $17K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2019 | $86K | $79K | $79K | $62K | — | View 990 |
| 2018 | $104K | $113K | $70K | $60K | — | View 990 |
| 2017 | $117K | $120K | $76K | $56K | — | — |
| 2016 | $114K | $132K | $82K | $59K | — | View 990 |
| 2015 | $113K | $128K | $95K | $54K | — | View 990 |
| 2014 | $133K | $142K | $106K | $50K | — | View 990 |
| 2013 | $114K | $127K | $116K | $51K | — | View 990 |
| 2012 | $147K | $129K | $132K | $54K | — | View 990 |
| 2011 | $132K | $149K | $117K | $56K | — | View 990 |
Year-by-Year Financial Summary
- 2019: Revenue of $86K, expenses of $79K, and assets of $79K (revenue -16.6% year-over-year).
- 2018: Revenue of $104K, expenses of $113K, and assets of $70K (revenue -11.3% year-over-year).
- 2017: Revenue of $117K, expenses of $120K, and assets of $76K (revenue +2.1% year-over-year).
- 2016: Revenue of $114K, expenses of $132K, and assets of $82K (revenue +1.6% year-over-year).
- 2015: Revenue of $113K, expenses of $128K, and assets of $95K (revenue -15.1% year-over-year).
- 2014: Revenue of $133K, expenses of $142K, and assets of $106K (revenue +16.2% year-over-year).
- 2013: Revenue of $114K, expenses of $127K, and assets of $116K (revenue -22.2% year-over-year).
- 2012: Revenue of $147K, expenses of $129K, and assets of $132K (revenue +11.0% year-over-year).
- 2011: Revenue of $132K, expenses of $149K, and assets of $117K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Peterborough Chamber Of Commerce:
Data Sources and Methodology
This transparency report for Peterborough Chamber Of Commerce is generated by NonprofitSpending's AI analysis engine. The data is sourced from publicly available IRS 990 filings accessed through the ProPublica Nonprofit Explorer API and IRS electronic filing records. The Mission Score, spending breakdown, and other analytical insights are produced by artificial intelligence and should be used as one of multiple factors when evaluating a nonprofit organization.
IRS 990 forms are annual information returns that most tax-exempt organizations must file with the IRS. These forms provide detailed financial information including revenue, expenses, assets, liabilities, and compensation of officers. NonprofitSpending processes this data to provide accessible transparency reports for donors, researchers, and the general public.
Disclaimer
AI-generated analysis based on IRS public records. Not financial or legal advice. Verify information directly with the organization.