CHICAGO SOUTHLAND CHAMBER OF COMMERCE (EIN 362014699) - 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

1935

Legal Domicile

Principal Officer

EDWARD MILKINT

Phone

7089576950

Tax Period

2023-01-01 to 2023-12-31

CHICAGO SOUTHLAND CHAMBER OF COMMERCE, founded in 1935, is a small nonprofit that reported $260K in total revenue in fiscal year 2023. Revenue grew 17% year-over-year, indicating healthy expansion.

Mission

THE CHAMBER PROVIDES BUSINESS REFERRALS AND MARKETING, ECONOMIC DEVELOPMENT AND EDUCATIONAL TRAINING PROGRAMS.

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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 $224,707

Program Service Revenue $0

Investment Income $0

Other Revenue $35,083

TOTAL REVENUE $259,790

Expense Breakdown

Grants Paid $0

Salaries & Benefits $189,280

Fundraising Expenses $0

Other Expenses $92,437

TOTAL EXPENSES $281,717

Year-over-Year Comparison

	2023	2022	Change
Revenue	$259,790	$221,442	+0.2%
Expenses	$281,717	$226,349	+0.2%
Net Income	$-21,927	$-4,907	+3.5%

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

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

$101,778

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BONITA ESTELLE	CHAIRMAN	1.00	Director	$0	$0	$0
THOMAS GARDINER	LEGAL COUNSEL	1.00	Director	$0	$0	$0
EDWARD MILKINT	TREASURER	1.00	Director	$0	$0	$0
THOMAS FAGAN	IMMEDIATE PAST CHAIR	1.00	Director	$0	$0	$0
TERRI WINFREE	PRESIDENT	1.00	Officer	$101,778	$0	$101,778

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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$259,790	$281,717	$144,698	$-21,927
2022	$221,442	$226,349	$156,219	$-4,907
2021	$229,876	$199,698	$154,546	$30,178
2020	$135,890	$129,701	$117,745	$6,189
2019	$165,841	$102,279	$103,461	$63,562
2018	$247,564	$132,391	$52,456	$115,173

CHICAGO SOUTHLAND CHAMBER OF COMMERCE