INDIAN VALLEY CHAMBER OF COMMERCE (EIN 231916950) - 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

1970

Legal Domicile

Principal Officer

STEVEN HUNSBERGER

Phone

2157239472

Tax Period

2024-01-01 to 2024-12-31

INDIAN VALLEY CHAMBER OF COMMERCE, founded in 1970, is a small nonprofit that reported $260K in total revenue in fiscal year 2024. Expenses of $244K left a modest 6% surplus.

Mission

PROMOTE GROWTH AND EXPANSION FOR THE INDIAN VALLEY BUSINESS 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 $0

Program Service Revenue $209,519

Investment Income $5,920

Other Revenue $44,806

TOTAL REVENUE $260,245

Expense Breakdown

Grants Paid $0

Salaries & Benefits $135,493

Fundraising Expenses $27,098

Program Expenses $133,750

Other Expenses $108,447

TOTAL EXPENSES $243,940

Year-over-Year Comparison

	2024	2023	Change
Revenue	$260,245	$241,448	+0.1%
Expenses	$243,940	$226,926	+0.1%
Net Income	$16,305	$14,522	+0.1%

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

100

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

$79,959

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN DUERKSEN	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
SUZANNE OWENS	VICE CHAIR	1.00	Officer Director	$0	$0	$0
BRIAN GOURLEY	SECRETARY	1.00	Officer Director	$0	$0	$0
STEVEN MOYER	TREASURER	1.00	Officer Director	$0	$0	$0
CHRISTOPHER MCDONNELL	FORMER TREAS	1.00	Officer Director	$0	$0	$0
L DUANE BERGEY	BOARD OF DIR	1.00	Director	$0	$0	$0
SUZI BERRY	BOARD OF DIR	1.00	Director	$0	$0	$0
BRAD BISSINGER	BOARD OF DIR	1.00	Director	$0	$0	$0
APRIL DONAHUE	BOARD OF DIR	1.00	Director	$0	$0	$0
J MARK HORNE	BOARD OF DIR	1.00	Director	$0	$0	$0
JOEL NYCE	BOARD OF DIR	1.00	Director	$0	$0	$0
TRACEY PIECHOCKI	BOARD OF DIR	1.00	Director	$0	$0	$0
RUTHE POTTER	BOARD OF DIR	1.00	Director	$0	$0	$0
JAMIE SNYDER	BOARD OF DIR	1.00	Director	$0	$0	$0
RYAN SCHUCK	BOARD OF DIR	1.00	Director	$0	$0	$0
BEN WEAVER	BOARD OF DIR	1.00	Director	$0	$0	$0
MELISSA SCHUMMER	BOARD OF DIR	1.00	Director	$0	$0	$0
STEVEN HUNSBERGER	PRESIDENT	1.00	Officer	$76,327	$3,632	$79,959

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
2024	$260,245	$243,940	$139,890	$16,305
2023	$241,448	$226,926	$111,085	$14,522
2022	$217,713	$217,088	$89,048	$625
2021	$258,431	$203,674	$90,987	$54,757
2020	$164,851	$148,991	$94,958	$15,860
2019	$225,358	$236,218	$31,216	$-10,860
2018	$213,920	$232,368	$45,130	$-18,448

INDIAN VALLEY CHAMBER OF COMMERCE