PONTIAC AREA CHAMBER OF COMMERCE (EIN 370468010) - 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

1917

Legal Domicile

Principal Officer

DREW KELLER

Phone

8158445131

Tax Period

2024-01-01 to 2024-12-31

Pontiac Area Chamber of Commerce is a small nonprofit that reported $115K in total revenue in fiscal year 2018. Revenue decreased 18% compared to the prior year.

Mission

TO PROMOTE THE GENERAL BUSINESS CLIMATE IN THE PONTIAC AREA.

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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 $64,392

Program Service Revenue $34,424

Investment Income $1,759

Other Revenue $18,101

TOTAL REVENUE $118,676

Expense Breakdown

Grants Paid $0

Salaries & Benefits $41,326

Fundraising Expenses $0

Program Expenses $71,043

Other Expenses $37,610

TOTAL EXPENSES $78,936

Year-over-Year Comparison

	2024	2023	Change
Revenue	$118,676	$99,043	+0.2%
Expenses	$78,936	$101,830	-0.2%
Net Income	$39,740	$-2,787	-15.3%

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

$10,036

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TINA TREVINO	SUPPORT DEVELOPMENT	3.00	Officer Director	$0	$0	$0
DIANA IVERSON	TREASURER	3.00	Officer Director	$0	$0	$0
DREW KELLER	PAST PRESIDENT	3.00	Officer Director	$0	$0	$0
LISA MARTIN	SMALL BUSINESS DEVELOPMENT	3.00	Officer Director	$0	$0	$0
JOE RUSSOW	PRESIDENT	3.00	Officer Director	$0	$0	$0
JULIE MYERS	DIRECTOR	1.00	Director	$0	$0	$0
KIM RAGLE	DIRECTOR	1.00	Director	$0	$0	$0
CINDY WEGNER	SECRETARY	3.00	Officer Director	$0	$0	$0
DONNA COMENS	SMALL BUSINESS DEVELOPMENT	3.00	Officer Director	$0	$0	$0
LINDA TUCKER	BUSINESS DEVELOPMENT	3.00	Officer Director	$0	$0	$0
DERRICK FRAZIER	DIRECTOR	1.00	Director	$0	$0	$0
NATE LEE	DIRECTOR	1.00	Director	$0	$0	$0
JESSICA WAGNER	DIRECTOR	1.00	Director	$0	$0	$0
MARTY SCHULZ	DIRECTOR	1.00	Director	$0	$0	$0
RYAN TOMEY	DIRECTOR	1.00	Director	$0	$0	$0
ROGER SUTTER	DIRECTOR	1.00	Director	$0	$0	$0
DEB HOWARD	EXECUTIVE DIRECTOR	20.00	Officer	$10,036	$0	$10,036

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	$118,676	$78,936	$178,751	$39,740
2023	$99,043	$101,830	$139,011	$-2,787
2022	$159,083	$108,628	$141,798	$50,455
2021	$109,947	$86,438	$91,343	$23,509
2020	$127,189	$121,923	$68,512	$5,266
2019	$144,089	$148,051	$63,708	$-3,962
2018	$115,090	$115,825	$68,494	$-735

PONTIAC AREA CHAMBER OF COMMERCE