ST CHARLES AREA CHAMBER OF COMMERCE (EIN 361721435) - 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

1927

Legal Domicile

Principal Officer

DEBORAH GURLEY

Phone

6305848384

Tax Period

2024-01-01 to 2024-12-31

ST CHARLES AREA CHAMBER OF COMMERCE, founded in 1927, is a small nonprofit that reported $374K in total revenue in fiscal year 2024. Expenses of $333K left a modest 11% surplus.

Mission

INVITING THE BUSINESS COMMUNITY INTO QUALITY PROGRAMS, ENVIRONMENTS AND EXPERIENCES IN ORDER TO CREATE CONNECTIONS. PROVIDING FOR THE NEEDS AND SUCCESS OF MEMBER BUSINESSES.

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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 $337,651

Program Service Revenue $35,415

Investment Income $829

Other Revenue $0

TOTAL REVENUE $373,895

Expense Breakdown

Grants Paid $0

Salaries & Benefits $210,526

Fundraising Expenses $0

Other Expenses $122,819

TOTAL EXPENSES $333,345

Year-over-Year Comparison

	2024	2023	Change
Revenue	$373,895	$361,011	+0.0%
Expenses	$333,345	$353,030	-0.1%
Net Income	$40,550	$7,981	+4.1%

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

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

$88,654

Total Directors

$88,654

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DEBORAH GURLEY	EXECUTIVE DI	40.00	Officer Director	$88,654	$0	$88,654
NICHOLAS BROOKS	TREASURER	3.00	Officer	$0	$0	$0
JOSHUA FEAGANS	CHAIR	3.00	Officer	$0	$0	$0
DAVE FROLICSTEIN	DIRECTOR	3.00	Director	$0	$0	$0
PAULA PRICE	VICE CHAIR	3.00	Director	$0	$0	$0
RACHEL SCHUCK	RECORDER	3.00	Officer	$0	$0	$0
CHARLES MURPHY	DIRECTOR	3.00	Director	$0	$0	$0
ASHLEY ZEMAN	DIRECTOR	3.00	Director	$0	$0	$0
CHERYL FLOOD	DIRECTOR	3.00	Director	$0	$0	$0
DEREK CONLEY	DIRECTOR	1.00	Director	$0	$0	$0
ADAM HOGAN	DIRECTOR	3.00	Director	$0	$0	$0
SHERI DESHAZO	DIRECTOR	3.00	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	$373,895	$333,345	$298,256	$40,550
2023	$361,011	$353,030	$284,034	$7,981
2022	$281,228	$348,724	$320,855	$-67,496
2021	$349,550	$316,848	$378,007	$32,702
2020	$313,618	$312,039	$299,873	$1,579
2019	$330,036	$381,234	$291,865	$-51,198
2018	$385,347	$371,031	$304,235	$14,316

ST CHARLES AREA CHAMBER OF COMMERCE