SAUK VALLEY AREA CHAMBER OF COMMERCE (EIN 361825150) - 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

1912

Legal Domicile

Principal Officer

KRIS NOBLE

Phone

8156252400

Tax Period

2023-01-01 to 2023-12-31

SAUK VALLEY AREA CHAMBER OF COMMERCE, founded in 1912, is a small nonprofit that reported $249K in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion.

Mission

TO ENHANCE THE ECONOMIC CLIMATE AND THE QUALITY OF LIFE IN THE SAUK VALLEY AREA. TO PROMOTE BUSINESS AND CIVIC GROWTH AND TO RETAIN THE FREE ENTERPRISE SYSTEM.

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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 (2023)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $148,150

Investment Income $285

Other Revenue $100,671

TOTAL REVENUE $249,106

Expense Breakdown

Grants Paid $74,125

Salaries & Benefits $102,003

Fundraising Expenses $19,654

Program Expenses $149,282

Other Expenses $88,601

TOTAL EXPENSES $264,729

Year-over-Year Comparison

	2023	2022	Change
Revenue	$249,106	$212,403	+0.2%
Expenses	$264,729	$212,047	+0.2%
Net Income	$-15,623	$356	-44.9%

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

385

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

$60,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JON MANDRELL	PRESIDENT	1.00	Officer Director	$0	$0	$0
LANCE BUSER	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
TIM DETERMAN	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
PAM FLUCK	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
GEOFF WRIGHT	TREASURER	1.00	Officer Director	$0	$0	$0
SHEILA MARTINEZ	TREASURER (TERMED 1/2023)	1.00	Officer Director	$0	$0	$0
SANDI CAVAZOS	DIRECTOR	1.00	Director	$0	$0	$0
JOSH JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
KRISTINA KAECKER	DIRECTOR	1.00	Director	$0	$0	$0
DAVE KNIE	DIRECTOR	1.00	Director	$0	$0	$0
MIKE LOOS	DIRECTOR (TERMED 1/2023)	1.00	Director	$0	$0	$0
REBECCA MUNOZ RIPLEY	DIRECTOR	1.00	Director	$0	$0	$0
STEVE MUNSON	DIRECTOR	1.00	Director	$0	$0	$0
VIOLET NAVA	DIRECTOR (TERMED 11/2023)	1.00	Director	$0	$0	$0
RYAN OLSON	DIRECTOR	1.00	Director	$0	$0	$0
ALEJANDRO RIVERA	DIRECTOR	1.00	Director	$0	$0	$0
RICK TURNROTH	DIRECTOR (TERMED 1/2023)	1.00	Director	$0	$0	$0
KATIE WHITEHEAD	DIRECTOR	1.00	Director	$0	$0	$0
KRIS NOBLE	EXECUTIVE DIRECTOR	40.00	Officer	$60,000	$0	$60,000

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	No data	No data	No data	No data
2023	$249,106	$264,729	$150,479	$-15,623
2022	$212,403	$212,047	$165,989	$356
2021	$226,435	$186,758	$174,219	$39,677
2020	$166,435	$159,785	$134,597	$6,650
2019	$170,896	$173,408	$77,409	$-2,512
2018	$161,560	$165,065	$85,500	$-3,505
2018	$159,951	$162,165	$89,941	$-2,214

SAUK VALLEY AREA CHAMBER OF COMMERCE