DEERFIELD BANNOCKBURN RIVERWOODS CHAMBER OF COMMERCE (EIN 363087661) - 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

1925

Legal Domicile

Principal Officer

NANCY MILOTA

Phone

8479454660

Tax Period

2023-01-01 to 2023-12-31

DEERFIELD BANNOCKBURN RIVERWOODS CHAMBER OF COMMERCE, founded in 1925, is a small nonprofit that reported $202K in total revenue in fiscal year 2023. Revenue decreased 14% compared to the prior year. Expenses of $247K exceeded revenue, resulting in a 22% operating deficit.

Mission

TO ADVANCE THE WELFARE, ECONOMIC DEVELOPMENT AND DIVERSITY OF COMMUNITIES IT SERVES.

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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 $193,826

Investment Income $1,205

Other Revenue $6,602

TOTAL REVENUE $201,633

Expense Breakdown

Grants Paid $0

Salaries & Benefits $149,871

Fundraising Expenses $0

Other Expenses $97,102

TOTAL EXPENSES $246,973

Year-over-Year Comparison

	2023	2022	Change
Revenue	$201,633	$234,928	-0.1%
Expenses	$246,973	$241,510	+0.0%
Net Income	$-45,340	$-6,582	+5.9%

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

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

$102,702

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD FRANKLIN	PAST CHAIRMAN	0.20	Officer Director	$0	$0	$0
GEOFF HORWITZ	CHAIRMAN	0.20	Officer Director	$0	$0	$0
CHAD WAYNEE	TREASURER	0.20	Officer Director	$0	$0	$0
NANCY MILOTA	VICE CHAIRMAN	0.20	Officer Director	$0	$0	$0
MARC TURIM	DIRECTOR (THROUGH SEPTEMBER)	0.20	Director	$0	$0	$0
MARTHA O'BRYAN	DIRECTOR (THROUGH DECEMBER)	0.20	Director	$0	$0	$0
FRANK LOMORO	DIRECTOR	0.20	Director	$0	$0	$0
NEWELL BENTLEY	DIRECTOR	0.20	Director	$0	$0	$0
WILLIAM HUNT	DIRECTOR (THROUGH SEPTEMBER)	0.20	Director	$0	$0	$0
ELLEN LERNER	DIRECTOR	0.30	Director	$0	$0	$0
KENT STREET	DIRECTOR	0.20	Director	$0	$0	$0
RICHARD JAMERSON	DIRECTOR	0.20	Director	$0	$0	$0
FRANK ROTHING	DIRECTOR	0.20	Director	$0	$0	$0
CHRIS THOMAS	DIRECTOR	0.20	Director	$0	$0	$0
ALAN PEARLMAN	DIRECTOR	0.20	Director	$0	$0	$0
STACY DITKA	DIRECTOR	0.20	Director	$0	$0	$0
JEFF HARVEY	DIRECTOR	0.20	Director	$0	$0	$0
MATTHEW KERBIS	DIRECTOR	0.20	Director	$0	$0	$0
CARL JOHNSON	DIRECTOR (THROUGH MARCH)	0.20	Director	$0	$0	$0
VICTORIA CASE STREET	EXECUTIVE DIRECTOR	40.00	Officer	$102,702	$0	$102,702

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	$201,633	$246,973	$67,663	$-45,340
2022	$234,928	$241,510	$112,983	$-6,582
2021	$258,639	$214,440	$119,565	$44,199
2020	$205,649	$208,982	$79,643	$-3,333
2019	$244,611	$253,807	$83,431	$-9,196
2018	$246,747	$256,367	$92,709	$-9,620

DEERFIELD BANNOCKBURN RIVERWOODS CHAMBER OF COMMERCE