RIVER COUNTRY CHAMBER OF COMMERCE … - Form 990 Financial Data

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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

2003

Legal Domicile

Principal Officer

DALE RICHARDSON

Phone

2316523068

Tax Period

2024-10-01 to 2025-09-30

RIVER COUNTRY CHAMBER OF COMMERCE OF NEWAYGO COUNTY, founded in 2003, is a small nonprofit in the Community Improvement sector that reported $321K in total revenue in fiscal year 2024.

Mission

TO ENHANCE OUR MEMBER'S SUCCESS, ADVANCE OUR ECONOMY AND IMPROVE OUR UNIQUE WAY OF LIFE.

Program Service Accomplishments

Program 1

TO ENHANCE OUR MEMBER'S SUCCESS, ADVANCE OUR ECONOMY AND IMPROVE OUR UNIQUE WAY OF LIFE.

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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 $1,717

Program Service Revenue $317,713

Investment Income $1,591

Other Revenue $0

TOTAL REVENUE $321,021

Expense Breakdown

Grants Paid $0

Salaries & Benefits $140,719

Fundraising Expenses $0

Other Expenses $178,107

TOTAL EXPENSES $318,826

Year-over-Year Comparison

	2024	2023	Change
Revenue	$321,021	$333,527	0.0%
Expenses	$318,826	$353,812	-0.1%
Net Income	$2,195	$-20,285	-1.1%

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

Total Directors

$121,066

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KELLY RIDER	EXECUTIVE DI	40.00	Director	$70,993	$0	$70,993
RACHEL PORTER	DIRECTOR OF	40.00	Director	$50,073	$0	$50,073
CHENOA BOSS	TRUSTEE	1.00	Director	$0	$0	$0
RAMONA DETERS	TRUSTEE	1.00	Director	$0	$0	$0
JENNIFER ESPINOZA	TRUSTEE	1.00	Director	$0	$0	$0
DEBORAH KETT	TRUSTEE	1.00	Director	$0	$0	$0
SAM KOPROWSKI-CHIVIS	MEMBER ENGAG	1.00	Director	$0	$0	$0
RANDY POLL	TRUSTEE	1.00	Director	$0	$0	$0
LORI SHEARS	TRUSTEE	1.00	Director	$0	$0	$0
JACOB SWINEHART	TRUSTEE	1.00	Director	$0	$0	$0
JAZMIN VANDERWALL	TRUSTEE	1.00	Director	$0	$0	$0
JENA ZEERIP	TRUSTEE	1.00	Director	$0	$0	$0
RYAN COFFEY-HOAG	VICE PRESIDE	2.00	Officer	$0	$0	$0
VICKI FRIAR	SECRETARY	2.00	Officer	$0	$0	$0
TIM LIBERTY	TREASURER	2.00	Officer	$0	$0	$0
DALE RICHARDSON	PRESIDENT	2.00	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
2025	$321,021	$318,826	$78,841	$2,195
2024	$333,527	$353,812	$76,646	$-20,285
2023	$464,625	$452,010	$113,981	$12,615
2022	$351,835	$341,318	$86,533	$10,517
2021	$256,619	$229,142	$77,150	$27,477
2020	$186,498	$156,366	$49,154	$30,132
2019	$228,060	$234,250	$19,244	$-6,190
2018	$231,417	$224,887	$23,601	$6,530

RIVER COUNTRY CHAMBER OF COMMERCE OF NEWAYGO COUNTY