Twin City Area Chamber of Commerce (EIN 237079700) - 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

1940

Legal Domicile

Principal Officer

President

Phone

6369377697

Tax Period

2025-01-01 to 2025-12-31

Twin City Area Chamber of Commerce, founded in 1940, is a small nonprofit that reported $185K in total revenue in fiscal year 2025. Expenses of $207K exceeded revenue, resulting in a 12% operating deficit.

Mission

Promotion and support of local Community/Industry/ Business. The Chamber plans and presents the Twin City Days Festival, Christmas Parade, and membership meetings to promote the community and local business.

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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 (2025)

Revenue Breakdown

Contributions & Grants $27,300

Program Service Revenue $129,701

Investment Income $12,512

Other Revenue $15,314

TOTAL REVENUE $184,827

Expense Breakdown

Grants Paid $0

Salaries & Benefits $55,780

Fundraising Expenses $76,354

Other Expenses $151,458

TOTAL EXPENSES $207,238

Year-over-Year Comparison

	2025	2024	Change
Revenue	$184,827	$175,658	+0.1%
Expenses	$207,238	$188,281	+0.1%
Net Income	$-22,411	$-12,623	+0.8%

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

$37,661

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mary Zebrowski	Administrator	40.00	Officer	$37,661	$0	$37,661
Ethan Bridgewater	Treasurer	1.00	Director	$0	$0	$0
Heather Corley	2irector	1.00	Director	$0	$0	$0
Barb Lowry	President	1.00	Officer Director	$0	$0	$0
Joe Reuther	Director	1.00	Director	$0	$0	$0
Andrea Chambers	Director	1.00	Director	$0	$0	$0
Matt Bono	Director	1.00	Director	$0	$0	$0
Laura Loham	Director	1.00	Director	$0	$0	$0
Angela Reaves	Director	1.00	Director	$0	$0	$0
Marie Stelling	Director	1.00	Officer	$0	$0	$0
Doug Goodwin	President(Past)	1.00	Officer	$0	$0	$0
David McKinney	1 V President	1.00	Officer	$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	$184,827	$207,238	$381,022	$-22,411
2024	$175,658	$188,281	$403,125	$-12,623
2023	$149,883	$147,889	$424,828	$1,994
2022	$127,370	$159,027	$411,799	$-31,657
2021	$118,175	$122,176	$443,018	$-4,001
2020	$28,892	$45,639	$449,160	$-16,747
2019	$158,624	$73,776	$464,929	$84,848

Twin City Area Chamber of Commerce