Southwest Harbor & Tremont Chamber Of Commerce
Southwest Harbor & Tremont Chamber of Commerce maintains stable, near break-even finances with no reported officer compensation.
EIN: 16019950 · Southwest Hbr, ME · Updated: 2026-03-28
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Southwest Harbor & Tremont Chamber Of Commerce is mapped to EIN 16019950.
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| Metric | Value |
|---|---|
| Total Revenue | $108K |
| Total Expenses | $106K |
| Program Spending | 80% |
| Net Assets | $28K |
| Transparency Score | 85/100 |
Search Intent Cockpit
Southwest Harbor & Tremont Chamber Of Commerce Form 990, Revenue, CEO Pay, and IRS Filing Signals
Southwest Harbor & Tremont Chamber Of Commerce is surfaced here as a decision-ready nonprofit financial profile, not just a charity listing. The page consolidates IRS Form 990 revenue, expenses, assets, tax-exempt classification, executive compensation, mission score, red flags, and year-by-year filing history so donors, researchers, journalists, and grant teams can answer the common search questions around Southwest Harbor & Tremont Chamber Of Commerce in one place.
Form 990 Filing Summary
13 filing years are available, with latest revenue of $106K and expenses of $106K.
Revenue and Expenses
Southwest Harbor & Tremont Chamber Of Commerce reported $106K in revenue and $106K in expenses, a deficit of $68.
Executive Compensation
Officer, director, trustee, and key employee pay is reviewed from IRS 990 compensation disclosures when present.
Charity Score and Red Flags
85/100 mission score, 1 red flag, and 4 strengths are shown from structured and AI review.
Is Southwest Harbor & Tremont 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 →
IRS 990 Data Cockpit
Where the Money Comes From and Where It Goes
Revenue Source Mix
Revenue-source line items are not available on the stored filing yet. Future ingestion now preserves contribution, program-revenue, and investment-income fields when ProPublica provides them.
Expense Deployment
| Program services | $85K (80%) |
Across stored filings, Southwest Harbor & Tremont Chamber Of Commerce shows contribution history pending. Next enrichment targets: revenue-source fields, IRS BMF classification.
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| Decision Lens | Signal | What to Inspect Next |
|---|---|---|
| Legitimacy | Some Concerns | Good filing record; 1 red flag identified |
| Mission spend | 80% to programs | Excellent |
| Financial durability | Grade B | 13 stored filing years |
| Peer context | Compare with Maine Composite Materials Applied Technology Development Center | Maine and category context |
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Southwest Hbr, ME nonprofitsFollow the Money
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Southwest Harbor & Tremont Chamber Of Commerce directs 80% of its spending to programs. This exceeds the industry benchmark of 65%, indicating strong mission focus.
About Southwest Harbor & Tremont Chamber Of Commerce
Southwest Harbor & Tremont Chamber Of Commerce (EIN: 16019950) is a nonprofit organization based in Southwest Hbr, ME. The organization reported total revenue of $108K and total assets of $22K according to its most recent IRS 990 filing. This transparency report provides an AI-powered analysis of Southwest Harbor & Tremont Chamber Of Commerce's financial health, spending patterns, executive compensation, and overall mission effectiveness based on publicly available IRS data.
Organization Overview
Southwest Harbor & Tremont Chamber Of Commerce is a small nonprofit that has been operating for 81 years, with 13 years of IRS 990 filings on record (2011–2023). Revenue has grown at a compound annual rate of 4.8%.
Key Financial Metrics (2023)
From the most recent IRS 990 filing on record:
| Total Revenue | $106K |
| Total Expenses | $106K |
| Surplus / Deficit | $-68 |
| Total Assets | $28K |
| Total Liabilities | $40 |
| Net Assets | $28K |
| Operating Margin | -0.1% |
| Debt-to-Asset Ratio | 0.1% |
| Months of Reserves | 3.1 months |
Financial Health Grade: B
In 2023, Southwest Harbor & Tremont Chamber Of Commerce reported a deficit of $68 with expenses exceeding revenue, holds 3.1 months of operating reserves (adequate), has a debt-to-asset ratio of 0.1% (very low leverage).
Financial Trends
Over 13 years of filings (2011–2023), Southwest Harbor & Tremont Chamber Of Commerce's revenue has grown at a compound annual growth rate (CAGR) of 4.8%.
| Year | Revenue Change | Expense Change | Asset Change |
|---|---|---|---|
| 2023 | +2.4% | +1.4% | -0.1% |
| 2022 | +18.4% | +38.6% | -4.1% |
| 2021 | +84.5% | +42.9% | +71.2% |
| 2020 | -32.4% | -32.1% | -24.4% |
| 2019 | -16.7% | -6.4% | -25.5% |
IRS Tax-Exempt Classification
| IRS Classification Codes | 1000 |
| IRS Ruling Date | 1945 |
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 Southwest Harbor & Tremont Chamber Of Commerce with a Mission Score of 85 out of 100 (Excellent). 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, Southwest Harbor & Tremont 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 (2023)
From the most recent IRS 990 filing on record:
- The organization reported a deficit of $68, with expenses exceeding revenue.
- Debt-to-asset ratio: 0.1%.
Executive Compensation Analysis
The organization consistently reports 0% officer compensation across all available filings, indicating that its leadership is either entirely volunteer-based or compensated through other means not reported as officer compensation, which is highly efficient for a nonprofit of this size.
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 Southwest Harbor & Tremont Chamber Of Commerce's IRS 990 filings:
- NTEE Code is unknown, limiting direct comparison to peer organizations.
Strengths
The following positive indicators were identified for Southwest Harbor & Tremont Chamber Of Commerce:
- Consistent IRS 990 filing history (13 filings) demonstrates strong transparency.
- 0% officer compensation reported across all filings indicates high operational efficiency and volunteer engagement.
- Stable financial operations with revenues and expenses generally balancing out.
- Low liabilities reported in most periods, indicating sound financial management.
Frequently Asked Questions about Southwest Harbor & Tremont Chamber Of Commerce
Is Southwest Harbor & Tremont Chamber Of Commerce a legitimate charity?
Southwest Harbor & Tremont Chamber Of Commerce (EIN: 16019950) is a registered tax-exempt nonprofit based in Maine. Our AI analysis gives it a Mission Score of 85/100. It has 13 years of IRS 990 filings on record. Total revenue: $108K. 1 red flag identified. 4 strengths noted. Financial health grade: B.
How does Southwest Harbor & Tremont Chamber Of Commerce spend its money?
Southwest Harbor & Tremont Chamber Of Commerce directs 80% of its spending to programs and services. Fundraising costs 5%. This exceeds the 65% industry benchmark.
Are donations to Southwest Harbor & Tremont Chamber Of Commerce tax-deductible?
Southwest Harbor & Tremont Chamber Of Commerce is registered as a tax-exempt nonprofit (EIN: 16019950). Donations to most 501(c)(3) organizations are tax-deductible. Consult a tax professional for your specific situation.
What percentage of Southwest Harbor & Tremont Chamber Of Commerce's spending goes to programs?
Southwest Harbor & Tremont Chamber Of Commerce directs 80% to programs, 5% to fundraising. This exceeds the 65% industry benchmark for efficient nonprofits.
Where is Southwest Harbor & Tremont Chamber Of Commerce located?
Southwest Harbor & Tremont Chamber Of Commerce is headquartered in Southwest Hbr, Maine and files with the IRS under EIN 16019950.
How many years of IRS 990 filings does Southwest Harbor & Tremont Chamber Of Commerce have?
Southwest Harbor & Tremont Chamber Of Commerce has 13 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 $108K in total revenue.
Is Southwest Harbor & Tremont Chamber Of Commerce a good charity?
Based on the available financial data, the organization appears to be a well-managed and efficient entity. It consistently operates near break-even, maintains stable assets, and reports no officer compensation, which are all positive indicators for a small community-focused organization.
How does the organization manage to operate without officer compensation?
The consistent reporting of 0% officer compensation suggests that the organization is likely run by volunteers or that any paid staff are not classified as officers, which is a highly efficient model for a chamber of commerce.
What are the primary sources of revenue for the Chamber?
While specific sources aren't detailed in the summary data, chambers of commerce typically generate revenue through membership dues, event fees, and local sponsorships. The consistent revenue figures (e.g., $105,559 in 2023) suggest a stable base from these types of activities.
Has the organization experienced significant financial growth or decline?
The organization's revenue has fluctuated over the past decade, ranging from a low of $47,200 in 2020 to a high of $105,559 in 2023. While there isn't a consistent growth trajectory, the recent years show a return to higher revenue levels, indicating stability rather than significant decline.
Filing History
IRS 990 filing history for Southwest Harbor & Tremont Chamber Of Commerce showing financial trends over 13 years of public records:
Over 13 years of IRS 990 filings (2011–2023), Southwest Harbor & Tremont Chamber Of Commerce's revenue has grown by 76%, moving from $60K to $106K. Total assets increased by 182% over the same period, from $10K to $28K. Total functional expenses rose by 142.5%, from $44K to $106K. In its most recent filing year (2023), Southwest Harbor & Tremont Chamber Of Commerce reported a deficit of $68, with expenses exceeding revenue. The organization holds $40 in liabilities against $28K in assets (debt-to-asset ratio: 0.1%), resulting in net assets of $28K.
| Year | Revenue | Expenses | Assets | Liabilities | Officer Comp. % | |
|---|---|---|---|---|---|---|
| 2023 | $106K | $106K | $28K | $40 | — | — |
| 2022 | $103K | $104K | $28K | $0 | — | — |
| 2021 | $87K | $75K | $29K | $51 | — | View 990 |
| 2020 | $47K | $53K | $17K | $0 | — | — |
| 2019 | $70K | $77K | $22K | $0 | — | View 990 |
| 2018 | $84K | $83K | $30K | $0 | — | View 990 |
| 2017 | $72K | $73K | $29K | $0 | — | — |
| 2016 | $71K | $75K | $30K | $0 | — | View 990 |
| 2015 | $70K | $93K | $34K | $0 | — | View 990 |
| 2014 | $79K | $69K | $58K | $0 | — | View 990 |
| 2013 | $65K | $49K | $47K | $0 | — | View 990 |
| 2012 | $61K | $40K | $31K | $0 | — | View 990 |
| 2011 | $60K | $44K | $10K | $0 | — | View 990 |
Year-by-Year Financial Summary
- 2023: Revenue of $106K, expenses of $106K, and assets of $28K (revenue +2.4% year-over-year).
- 2022: Revenue of $103K, expenses of $104K, and assets of $28K (revenue +18.4% year-over-year).
- 2021: Revenue of $87K, expenses of $75K, and assets of $29K (revenue +84.5% year-over-year).
- 2020: Revenue of $47K, expenses of $53K, and assets of $17K (revenue -32.4% year-over-year).
- 2019: Revenue of $70K, expenses of $77K, and assets of $22K (revenue -16.7% year-over-year).
- 2018: Revenue of $84K, expenses of $83K, and assets of $30K (revenue +16.9% year-over-year).
- 2017: Revenue of $72K, expenses of $73K, and assets of $29K (revenue +1.4% year-over-year).
- 2016: Revenue of $71K, expenses of $75K, and assets of $30K (revenue +1.6% year-over-year).
- 2015: Revenue of $70K, expenses of $93K, and assets of $34K (revenue -11.7% year-over-year).
- 2014: Revenue of $79K, expenses of $69K, and assets of $58K (revenue +21.5% year-over-year).
- 2013: Revenue of $65K, expenses of $49K, and assets of $47K (revenue +6.7% year-over-year).
- 2012: Revenue of $61K, expenses of $40K, and assets of $31K (revenue +1.6% year-over-year).
- 2011: Revenue of $60K, expenses of $44K, and assets of $10K.
View Individual Filing Years
Explore detailed financial data from each IRS 990 filing year for Southwest Harbor & Tremont Chamber Of Commerce:
Data Sources and Methodology
This transparency report for Southwest Harbor & Tremont 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.