ST CHARLES AREA CHAMBER OF COMMERCE

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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

JOSHUA FEAGANS

Phone

6305848384

Tax Period

2025-01-01 to 2025-12-31

ST CHARLES AREA CHAMBER OF COMMERCE, founded in 1927, is a small nonprofit that reported $304K in total revenue in fiscal year 2025. Revenue decreased 19% compared to the prior year. Expenses of $367K exceeded revenue, resulting in a 21% operating deficit.

Mission

THE ST CHARLES CHAMBER OF COMMERCE IS COMMITTED TO PROVIDING FOR THE NEEDS AND SUCCESS OF MEMBER BUSINESSES. THE GOAL IS TO PROMOTE THE SUCCESS OF OUR MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $238,712

MEMBERSHIP SPECIAL EVENTS

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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 $256,974

Program Service Revenue $42,418

Investment Income $4,271

Other Revenue $0

TOTAL REVENUE $303,663

Expense Breakdown

Grants Paid $0

Salaries & Benefits $238,344

Fundraising Expenses $0

Program Expenses $293,800

Other Expenses $128,907

TOTAL EXPENSES $367,251

Year-over-Year Comparison

	2025	2024	Change
Revenue	$303,663	$373,895	-0.2%
Expenses	$367,251	$333,345	+0.1%
Net Income	$-63,588	$40,550	-2.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSHUA FEAGANS	CHAIR	5.00	Officer	$0	$0	$0
PAULA PRICE	VICE CHAIR	5.00	Officer	$0	$0	$0
NICK BROOKS	TREASURER	5.00	Officer	$0	$0	$0
RACHEAL SCHUCK	RECORDER	3.00	Director	$0	$0	$0
CHARLES MURPHY	DIRECTOR	3.00	Officer	$0	$0	$0
ASHLEY ZEMAN	DIRECTOR	3.00	Director	$0	$0	$0
CHERYL FLOOD	DIRECTOR	3.00	Director	$0	$0	$0
ADAM HOGAN	DIRECTOR	3.00	Director	$0	$0	$0
DAVE FROLICSTEIN	DIRECTOR	3.00	Director	$0	$0	$0
SHERI DE SHAZO	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
2025	$303,663	$367,251	$245,527	$-63,588
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