BATTLE CREEK AREA CHAMBER OF COMMERCE (EIN 380331530) - 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

1912

Legal Domicile

Principal Officer

KARA E BEER

Phone

2699624076

Tax Period

2023-10-01 to 2024-09-30

BATTLE CREEK AREA CHAMBER OF COMMERCE, founded in 1912, is a small nonprofit that reported $336K in total revenue in fiscal year 2023. Expenses of $383K exceeded revenue, resulting in a 14% operating deficit.

Mission

TO PROVIDE THE BEST IN MEMBER SERVICES AND AGGRESSIVE BUSINESS ADVOCACY TO CREATE A CLIMATE FOR EMPLOYER GROWTH AND A PROSPEROUS COMMUNITY FOR ALL.

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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 $188,676

Program Service Revenue $139,825

Investment Income $907

Other Revenue $7,050

TOTAL REVENUE $336,458

Expense Breakdown

Grants Paid $0

Salaries & Benefits $222,094

Fundraising Expenses $0

Other Expenses $160,800

TOTAL EXPENSES $382,894

Year-over-Year Comparison

	2023	2022	Change
Revenue	$336,458	$346,784	0.0%
Expenses	$382,894	$394,649	0.0%
Net Income	$-46,436	$-47,865	0.0%

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

$123,221

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KARA E BEER	EXECUTIVE DI	40.00	Officer	$110,320	$12,901	$123,221
JEREMY WILSON	CHAIR	1.00	Officer Director	$0	$0	$0
ELISHAE S JOHNSON	VICE CHAIR	1.00	Officer Director	$0	$0	$0
JOHN GAYDA	TREASURER	1.00	Officer Director	$0	$0	$0
BRIDGETTE JONES	SECRETARY	1.00	Officer Director	$0	$0	$0
JOE DULAC	DIRECTOR	0.50	Director	$0	$0	$0
JENNIFER ANDREWS	DIRECTOR	0.50	Director	$0	$0	$0
MICHAEL MILLER	DIRECTOR	0.50	Director	$0	$0	$0
STEVE FRISBIE	DIRECTOR	0.50	Director	$0	$0	$0
DENISE JONES	DIRECTOR	0.50	Director	$0	$0	$0
MALLORY AVIS	DIRECTOR	0.50	Director	$0	$0	$0
NICOLE KASPER	DIRECTOR	0.50	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
2024	$336,458	$382,894	$149,057	$-46,436
2023	$346,784	$394,649	$135,642	$-47,865
2022	$322,356	$438,571	$203,838	$-116,215
2021	$447,839	$394,858	$317,258	$52,981
2020	$401,177	$379,119	$248,986	$22,058
2019	$448,567	$428,106	$85,655	$20,461
2018	$413,942	$432,936	$70,090	$-18,994

BATTLE CREEK AREA CHAMBER OF COMMERCE