Chain OLakes Area Chamber of Commerce (EIN 363901127) - 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

2001

Legal Domicile

Principal Officer

Mike Missak

Phone

8154035155

Tax Period

2024-01-01 to 2024-12-31

Chain OLakes Area Chamber of Commerce, founded in 2001, is a small nonprofit that reported $213K in total revenue in fiscal year 2024. The organization ran a surplus of $61K, a strong 29% operating margin.

Mission

Promote local business development through member meetings, outings, electronic business newsletters, community guide and scholarships.

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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 (2024)

Revenue Breakdown

Contributions & Grants $50,412

Program Service Revenue $100,233

Investment Income $0

Other Revenue $62,029

TOTAL REVENUE $212,674

Expense Breakdown

Grants Paid $0

Salaries & Benefits $98,984

Fundraising Expenses $44,542

Other Expenses $52,231

TOTAL EXPENSES $151,215

Year-over-Year Comparison

	2024	2023	Change
Revenue	$212,674	N/A	N/A
Expenses	$151,215	N/A	N/A
Net Income	$61,459	N/A	N/A

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

N/A

Employees

N/A

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
Deana Liss	Director	1.00	Director	$0	$0	$0
Kathrine Pfister	Director	1.00	Director	$0	$0	$0
Maggie Drabczynski	Director	1.00	Director	$0	$0	$0
Dawn Cassiday Turner	Director	1.00	Director	$0	$0	$0
Eric Yost	Director	1.00	Director	$0	$0	$0
Nick Coari	Past President	1.00	Officer	$0	$0	$0
Lucas Ackerman	Vice President	1.00	Officer	$0	$0	$0
Donna Adams	Treasurer	1.00	Officer	$0	$0	$0
Mike Missak	President	1.00	Officer	$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
2024	$212,674	$151,215	$133,987	$61,459

Chain OLakes Area Chamber of Commerce