MIDSTATE CHAMBER OF COMMERCE INC (EIN 060449758) - 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

1902

Legal Domicile

Principal Officer

ROSANNE FORD

Phone

2032357901

Tax Period

2024-10-01 to 2025-09-30

MIDSTATE CHAMBER OF COMMERCE INC, founded in 1902, is a small nonprofit that reported $327K in total revenue in fiscal year 2024.

Mission

SERVING BUSINESS AND THE COMMUNITY

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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 (2024)

Revenue Breakdown

Contributions & Grants $155,460

Program Service Revenue $169,847

Investment Income $1,380

Other Revenue $0

TOTAL REVENUE $326,687

Expense Breakdown

Grants Paid $0

Salaries & Benefits $175,176

Fundraising Expenses $0

Program Expenses $334,631

Other Expenses $159,455

TOTAL EXPENSES $334,631

Year-over-Year Comparison

	2024	2023	Change
Revenue	$326,687	$322,104	+0.0%
Expenses	$334,631	$332,544	+0.0%
Net Income	$-7,944	$-10,440	-0.2%

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

N/A

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
ROSANNE FORD	PRES	040.00	Officer Director Key Emp Highest	$0	$0	$0
DR STEVEN MINKLER	VICE CHARI	001.00	Officer Director	$0	$0	$0
CHRISSY RUTIGLIANO	SECRETARY	002.00	Officer Director	$0	$0	$0
ED HOGAN	TREASURER	001.00	Officer Director	$0	$0	$0
RALPH MESITE	IMMEDIATE PAST CHAIR	001.00	Officer Director	$0	$0	$0
FRANK RIDLEY	CHAIR EMERITUS	000.50	Officer Director	$0	$0	$0
ADRIANA RODRIGUEZ	CHAIRWOMEN	000.50	Officer Director	$0	$0	$0
DUNDEE BENSON	DIR	000.50	Director	$0	$0	$0
KRYSTLE BLAKE	DIR	000.50	Director	$0	$0	$0
SETH DUKE	DIR	000.50	Director	$0	$0	$0
JONATHAN ERICKSON	DIR	000.50	Director	$0	$0	$0
JOSEPH F FEEST	DIR	000.50	Director	$0	$0	$0
BETH FISHER	DIR	000.50	Director	$0	$0	$0
ERIC FLNN	DIR	000.50	Director	$0	$0	$0
BECKY FRENCH	DIR	000.50	Director	$0	$0	$0
BRIAN C HOEING ESQ	DIR	000.50	Director	$0	$0	$0
KIM HOGAN	DIR	000.50	Director	$0	$0	$0
KEYYJ JOHNSON	DIR	000.50	Director	$0	$0	$0
LEON LANGS	DIR	000.50	Director	$0	$0	$0
ERIN LIBBY	DIR	000.50	Director	$0	$0	$0
STEPHANY MORALES	DIR	000.50	Director	$0	$0	$0
RICHARD PENDRED	DIR	000.50	Director	$0	$0	$0
MARISOL RODRIGUEZ	DIR	000.50	Director	$0	$0	$0
ANN MARIE ROSADO	DRI	000.50	Director	$0	$0	$0
DAVID SHARRON	DIR	000.50	Director	$0	$0	$0
AMISHA TAILOR	DIR	000.50	Director	$0	$0	$0
JOAN WALKER	DIR	000.50	Director	$0	$0	$0
GREH WALSK	DIR	000.50	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
2025	$326,687	$334,631	$76,718	$-7,944
2024	$322,104	$332,544	$84,536	$-10,440
2023	$317,291	$349,687	$94,406	$-32,396
2022	$321,376	$322,901	$96,437	$-1,525
2021	$287,592	$295,868	$98,039	$-8,276
2021	$287,592	$295,868	$98,039	$-8,276
2020	$237,735	$218,439	$97,289	$19,296
2019	$324,839	$311,675	$42,854	$13,164
2018	$349,228	$354,527	$24,087	$-5,299

MIDSTATE CHAMBER OF COMMERCE INC