CROSSROADS NORTHWEST INDIANA'S CHAMBER (EIN 356043684) - 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

1954

Legal Domicile

Principal Officer

DEANN PATENA

Phone

2197698180

Tax Period

2025-01-01 to 2025-12-31

CROSSROADS NORTHWEST INDIANA'S CHAMBER, founded in 1954, is a small nonprofit that reported $549K in total revenue in fiscal year 2025. Revenue grew 14% year-over-year, indicating healthy expansion. Expenses of $531K left a modest 3% surplus.

Mission

TO WORK FOR THE BETTERMENT OF NORTHWEST INDIANA BUSINESSES AND COMMUNITIESBY PROMOTING ECONOMIC DEVELOPMENT, QUALITY BUSINESS PRACTICES, AND A VOICEIN PUBLIC POLICY AND CIVIC PRIDE.

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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 $252,044

Program Service Revenue $87,874

Investment Income $4,608

Other Revenue $204,420

TOTAL REVENUE $548,946

Expense Breakdown

Grants Paid $0

Salaries & Benefits $330,032

Fundraising Expenses $0

Other Expenses $200,769

TOTAL EXPENSES $530,801

Year-over-Year Comparison

	2025	2024	Change
Revenue	$548,946	$483,060	+0.1%
Expenses	$530,801	$520,088	+0.0%
Net Income	$18,145	$-37,028	-1.5%

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

N/A

Independent Members

Employees

Volunteers

N/A

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

$105,680

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN JORDAN	CHAIRMAN OF THE BOARD	1.00	Director	$0	$0	$0
KATIE HOLDERBY	CHAIRMAN ELECT	1.00	Director	$0	$0	$0
BETHANY CROSE	TREASURER	4.00	Director	$0	$0	$0
PATTY STOVALL	SECRETARY	1.00	Director	$0	$0	$0
JENNIFER DOFFIN	IMMEDIATE PAST CHAIRMAN	1.00	Director	$0	$0	$0
ANDREW KYRES	BOARD MEMBER	0.25	Director	$0	$0	$0
CHRISTINE FOREMAN	BOARD MEMBER	0.25	Director	$0	$0	$0
DAVID HUNTER	BOARD MEMBER	0.25	Director	$0	$0	$0
GEORGIA MANOUS-GESSLER	BOARD MEMBER	0.25	Director	$0	$0	$0
JAMES HORTSMAN	BOARD MEMBER	0.25	Director	$0	$0	$0
KELLY ANOE	BOARD MEMBER	0.25	Director	$0	$0	$0
KELLY DOOLEY	BOARD MEMBER	0.25	Director	$0	$0	$0
KELLY CLEMENS	BOARD MEMBER	0.25	Director	$0	$0	$0
MATT SCHEUER	BOARD MEMBER	0.25	Director	$0	$0	$0
LORI TUBBS	BOARD MEMBER	0.25	Director	$0	$0	$0
RICK PELTIER	BOARD MEMBER	0.25	Director	$0	$0	$0
RYAN PETERSON	BOARD MEMBER	0.25	Director	$0	$0	$0
SHAWN M PETTIT	BOARD MEMBER	0.25	Director	$0	$0	$0
SHERRY SINK	BOARD MEMBER	0.25	Director	$0	$0	$0
DR TODD TERRILL	BOARD MEMBER	0.25	Director	$0	$0	$0
DR DEXTER SUGGS	BOARD MEMBER	0.25	Director	$0	$0	$0
CHAD CHARON	BOARD MEMBER	0.25	Director	$0	$0	$0
CHUCK ROBERTS	BOARD MEMBER	0.25	Director	$0	$0	$0
DEANN PATENA	PRESIDENT/CEO	40.00	Officer	$102,750	$2,930	$105,680

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	$548,946	$530,801	$686,763	$18,145
2024	No data	No data	No data	No data
2023	$476,344	$519,958	$737,451	$-43,614
2022	$471,834	$449,254	$788,020	$22,580
2021	$368,468	$261,251	$777,998	$107,217
2020	$251,106	$269,707	$663,706	$-18,601
2019	$361,469	$464,044	$682,456	$-102,575
2018	$395,921	$454,887	$798,596	$-58,966

CROSSROADS NORTHWEST INDIANA'S CHAMBER