NAPPANEE AREA CHAMBER OF COMMERCE INC (EIN 351177470) - 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

1958

Legal Domicile

Principal Officer

DONNA PERSING

Phone

5747737812

Tax Period

2025-01-01 to 2025-12-31

NAPPANEE AREA CHAMBER OF COMMERCE INC, founded in 1958, is a small nonprofit that reported $151K in total revenue in fiscal year 2025. Revenue surged 23% from the prior year, signaling strong growth momentum.

Mission

Chamber of Commerce promoting the business of Nappanee, In. 46550

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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 $67,228

Program Service Revenue $58,872

Investment Income $2,497

Other Revenue $22,122

TOTAL REVENUE $150,719

Expense Breakdown

Grants Paid $0

Salaries & Benefits $97,207

Fundraising Expenses $0

Program Expenses $145,747

Other Expenses $51,250

TOTAL EXPENSES $148,457

Year-over-Year Comparison

	2025	2024	Change
Revenue	$150,719	$122,286	+0.2%
Expenses	$148,457	$136,636	+0.1%
Net Income	$2,262	$-14,350	-1.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN BURKHOLDER	MEMBER	1.00	Director	$0	$0	$0
TRAVIS SPEICHER	MEMBER	1.00	Director	$0	$0	$0
MANDY GERBER	MEMBER	1.00	Director	$0	$0	$0
BILLY BOLDT	MEMBER	1.00	Director	$0	$0	$0
CAMI MECHLING	MEMBER	1.00	Director	$0	$0	$0
RYAN EAKINS	MEMBER	1.00	Director	$0	$0	$0
BRIAN LEVAN	MEMBER	1.00	Director	$0	$0	$0
LINDSAY LONDON	MEMBER	1.00	Director	$0	$0	$0
RANDALL MAST	MEMBER	1.00	Director	$0	$0	$0
ALLISON BERGER	Vice President	1.00	Officer	$0	$0	$0
DONNA PERSING	Treasurer	1.00	Officer	$0	$0	$0
KEVIN YODER	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	$150,719	$148,457	$232,003	$2,262
2024	$122,286	$136,636	$164,142	$-14,350
2023	$123,255	$97,377	$191,080	$25,878
2022	$112,779	$87,418	$152,455	$25,361
2021	$98,219	$72,294	$130,982	$25,925
2020	$63,170	$79,368	$115,142	$-16,198
2019	$93,802	$77,297	$112,593	$16,505

NAPPANEE AREA CHAMBER OF COMMERCE INC