THE CHAMBER OF COMMERCE OF ST JOSE COUNTY INC

EIN: 350153330

SOUTH BEND, IN

Total Revenue
$7,428,359
Total Expenses
$7,249,392
Total Assets
$5,367,129
Net Assets
$2,673,531
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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
1909
Legal Domicile
IN
Principal Officer
JEFFREY REA
Phone
5742340051
Tax Period
2025-01-01 to 2025-12-31

THE CHAMBER OF COMMERCE OF ST JOSE COUNTY INC, founded in 1909, is a community nonprofit that reported $7.4M in total revenue in fiscal year 2025. Revenue decreased 14% compared to the prior year.

Mission

THE CHAMBER OF COMMERCE OF ST. JOSEPH COUNTY, INC. WAS FOUNDED IN 1909 AS A PRIVATE, NOT-FOR-PROFIT MEMBER ASSOCIATION TO SERVE ITS MEMBER BUSINESSES AND ADVANCE COMMUNITY PROSPERITY. THE CHAMBER IS DEDICATED TO ITS MEMBERS' GROWTH AND PROSPERITY. THE CHAMBER IS THE PRIMARY ADVOCATE FOR AREA BUSINESS AND IS COMMITTED TO HELPING MEMBERS COMPETE BY PROVIDING LEADERSHIP, ADVOCACY AND SERVICES.

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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%)

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Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $1,877,805
Program Service Revenue $5,261,663
Investment Income $140,116
Other Revenue $148,775
TOTAL REVENUE $7,428,359

Expense Breakdown

Grants Paid $0
Salaries & Benefits $1,831,314
Fundraising Expenses $0
Program Expenses $6,290,538
Other Expenses $5,418,078
TOTAL EXPENSES $7,249,392

Year-over-Year Comparison

2025 2024 Change
Revenue $7,428,359 $8,677,505 -0.1%
Expenses $7,249,392 $8,493,728 -0.1%
Net Income $178,967 $183,777 0.0%
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

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Governance

Voting Members
23
Independent Members
23
Employees
21
Volunteers
101

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
3
$0
Total Directors
22
$0
Key Employees
0
$0
Highest Compensated
0
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
SCOTT BREWER BOARD MEMBER N/A
Director
$0 $0 $0
JUSTIN BUTLER BOARD MEMBER N/A
Director
$0 $0 $0
HEATHER CHRISTOPHERSEN BOARD MEMBER N/A
Director
$0 $0 $0
THERESA CRUTHIRD BOARD MEMBER N/A
Director
$0 $0 $0
MIKE DAIGLE BOARD MEMBER N/A
Director
$0 $0 $0
KATIE EATON BOARD MEMBER N/A
Director
$0 $0 $0
TIMOTHY EMERICK BOARD MEMBER N/A
Director
$0 $0 $0
CHRIS FIELDING BOARD MEMBER N/A
Director
$0 $0 $0
JANET HORVATH BOARD MEMBER N/A
Director
$0 $0 $0
CHRIS KARAM BOARD MEMBER N/A
Director
$0 $0 $0
ANDREW KOSTIELNEY BOARD MEMBER N/A
Director
$0 $0 $0
TED LERMAN BOARD MEMBER N/A
Director
$0 $0 $0
RYAN MATTHYS FINANCE CHAI N/A
Officer Director
$0 $0 $0
MARK MINNE BOARD MEMBER N/A
Director
$0 $0 $0
BHUMIKA NORRIS BOARD MEMBER N/A
Director
$0 $0 $0
JASON OSTERHAGE BOARD MEMBER N/A
Director
$0 $0 $0
AJ PATEL BOARD MEMBER N/A
Director
$0 $0 $0
MICHAEL SCOTT BOARD MEMBER N/A
Director
$0 $0 $0
LARRY TRACY BOARD MEMBER N/A
Director
$0 $0 $0
KYLE URTEL BOARD MEMBER N/A
Director
$0 $0 $0
BRAD WEBB BOARD MEMBER N/A
Director
$0 $0 $0
SHELLI WORKMAN CHAIR ELECT N/A
Officer Director
$0 $0 $0
JEFFREY REA CEO N/A
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 $7,428,359 $7,249,392 $5,367,129 $178,967
2024 $8,677,505 $8,493,728 $4,132,210 $183,777
2023 $7,736,367 $7,700,033 $3,954,510 $36,334
2022 $3,491,381 $3,263,962 $4,110,217 $227,419
2021 $3,604,962 $3,413,231 $2,696,991 $191,731
2020 $2,944,047 $2,641,774 $2,429,499 $302,273
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