DELAVAN AND DELAVAN LAKE AREA CHAMBER OF COMMERCE INC (EIN 237403306) - 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

1978

Legal Domicile

Principal Officer

MALINDA OBERSHAW

Phone

2627285095

Tax Period

2024-01-01 to 2024-12-31

DELAVAN AND DELAVAN LAKE AREA CHAMBER OF COMMERCE INC, founded in 1978, is a small nonprofit that reported $214K in total revenue in fiscal year 2024.

Mission

THE DELAVAN DELAVAN LAKE AREA CHAMBER OF COMMERCE IS ORGANIZED FOR THE PURPOSE OF CREATING OPPORTUNITIES FOR LOCAL BUSINESS, TO ENHANCE THEIR VISIBILITY, STRENGTHEN THE ECONOMY, AND CONTRIBUTE TO THE CULTURAL AND CIVIC WELFARE OF THE GREATER DELAVAN 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 $87,627

Program Service Revenue $118,159

Investment Income $0

Other Revenue $7,911

TOTAL REVENUE $213,697

Expense Breakdown

Grants Paid $500

Salaries & Benefits $104,078

Fundraising Expenses $0

Program Expenses $62,100

Other Expenses $107,831

TOTAL EXPENSES $212,409

Year-over-Year Comparison

	2024	2023	Change
Revenue	$213,697	$221,270	0.0%
Expenses	$212,409	$207,705	+0.0%
Net Income	$1,288	$13,565	-0.9%

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

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

$70,077

Total Directors

$70,077

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MALINDA OBERSHAW	Executive Dir.	40.00	Officer Director	$70,077	$0	$70,077
BECKY WOLF	Director	1.00	Director	$0	$0	$0
TODD GRIFFIN	Director	1.00	Director	$0	$0	$0
LAURA HOLMSTROM	Prior President	1.00	Director	$0	$0	$0
RYAN SCHROEDER	President	1.00	Officer Director	$0	$0	$0
LORI WICKER	Director	1.00	Director	$0	$0	$0
JONATHAN BRADLEY	Director	1.00	Director	$0	$0	$0
JAMIE ENGELKE	Director	1.00	Director	$0	$0	$0
JAMES BODENDORFER	Treasurer	1.00	Officer Director	$0	$0	$0
DREW HALBESMA	Director	1.00	Director	$0	$0	$0
DAVE SEKERES	Vice President	1.00	Officer 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
2024	$213,697	$212,409	$75,901	$1,288
2023	$221,270	$207,705	$74,795	$13,565
2022	$192,013	$196,116	$58,861	$-4,103
2021	$145,284	$133,910	$65,346	$11,374
2020	$76,063	$87,245	$66,732	$-11,182
2019	$123,679	$124,490	$69,179	$-811
2018	$144,028	$135,330	$72,513	$8,698

DELAVAN AND DELAVAN LAKE AREA CHAMBER OF COMMERCE INC