WOODSTOCK CHAMBER OF COMMERCE & IND

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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

1945

Legal Domicile

Principal Officer

AMY HUMBRACHT

Phone

8153382436

Tax Period

2025-01-01 to 2025-12-31

WOODSTOCK CHAMBER OF COMMERCE & IND, founded in 1945, is a small nonprofit that reported $282K in total revenue in fiscal year 2025. Revenue fell 38% from the prior year — a significant decline worth monitoring. Expenses of $335K exceeded revenue, resulting in a 19% operating deficit.

Mission

TO PROMOTE COMMUNITY BUSINESS AND INDUSTRY

Program Service Accomplishments

Program 1

Expenses: $52,249

PROMOTED COMMUNITY BUSINESS AND INDUSTRY

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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 $181,027

Program Service Revenue $92,666

Investment Income $8,063

Other Revenue $0

TOTAL REVENUE $281,756

Expense Breakdown

Grants Paid $0

Salaries & Benefits $201,796

Fundraising Expenses $0

Program Expenses $77,899

Other Expenses $132,964

TOTAL EXPENSES $334,760

Year-over-Year Comparison

	2025	2024	Change
Revenue	$281,756	$452,786	-0.4%
Expenses	$334,760	$450,867	-0.3%
Net Income	$-53,004	$1,919	-28.6%

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

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

$24,300

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
REBECCA ROCKWOOD	CHAIRPERSON	N/A	Director	$0	$0	$0
LYNN MUEFFELMANN	SECRETARY	N/A	Officer	$0	$0	$0
MATT KOSTECKI	VICE PRESIDE	N/A	Officer	$0	$0	$0
STACY MCCASKILL	AT LARGE	N/A	Director	$0	$0	$0
AMY HUMBRACHT	PRESIDENT	40.00	Officer	$24,300	$0	$24,300
THOMAS NELSON	TREASURER	N/A	Officer	$0	$0	$0
JASON SZATKOWSKI	AT LARGE	N/A	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	$281,756	$334,760	$300,968	$-53,004
2024	$452,786	$450,867	$353,719	$1,919
2023	$456,190	$419,542	$428,193	$36,648
2022	$504,677	$411,584	$424,555	$93,093
2021	$506,754	$377,969	$325,957	$128,785
2021	$506,754	$377,969	$333,456	$128,785
2020	$202,222	$197,933	$173,132	$4,289
2020	$209,721	$197,933	$180,631	$11,788
2019	$289,671	$140,670	$104,860	$149,001