MICHIGAN WEST COAST CHAMBER OF COMMERCE (EIN 380655230) - 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

1935

Legal Domicile

Principal Officer

JODI OWCZARSKI

Phone

6163922389

Tax Period

2024-09-01 to 2025-08-31

MICHIGAN WEST COAST CHAMBER OF COMMERCE, founded in 1935, is a community nonprofit that reported $2.2M in total revenue in fiscal year 2024. Revenue surged 25% from the prior year, signaling strong growth momentum. The organization ran a surplus of $658K, a strong 30% operating margin.

Mission

THE WEST COAST CHAMBER EXISTS TO BE A CATALYST FOR BUSINESS GROWTH AND DEVELOPMENT, A CONVENER OF LEADERS AND INFLUENCERS, AND A CHAMPION FOR A THRIVING COMMUNITY.

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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 $296,700

Program Service Revenue $1,467,112

Investment Income $428,830

Other Revenue $12,017

TOTAL REVENUE $2,204,659

Expense Breakdown

Grants Paid $0

Salaries & Benefits $918,683

Fundraising Expenses $0

Program Expenses $1,172,891

Other Expenses $627,915

TOTAL EXPENSES $1,546,598

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,204,659	$1,761,245	+0.3%
Expenses	$1,546,598	$1,459,141	+0.1%
Net Income	$658,061	$302,104	+1.2%

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

$366,250

Total Directors

$366,250

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JODI OWCZARSKI	PRESIDENT AND CEO	40.00	Officer Director	$228,566	$30,520	$259,086
BRITT DELO	SECRETARY	32.00	Officer Director	$100,628	$6,536	$107,164
PAUL BRINKS	CHAIR	1.00	Officer Director	$0	$0	$0
PATTI VAN DORT	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
DAVID BOLT	PAST CHAIR	1.00	Director	$0	$0	$0
JIM EICKHOFF	PAST CHAIR	1.00	Director	$0	$0	$0
JENNIFER OWENS	DIRECTOR	1.00	Director	$0	$0	$0
JACK JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
KYLE MAYER	DIRECTOR	1.00	Director	$0	$0	$0
JUANITA BOCANEGRA	DIRECTOR	1.00	Director	$0	$0	$0
ERNESTO LOPEZ	DIRECTOR	1.00	Director	$0	$0	$0
TRAVIS WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
BETH O'LAUGHLIN	DIRECTOR	1.00	Director	$0	$0	$0
ELIZABETH ROLINSKI	DIRECTOR	1.00	Director	$0	$0	$0
KIM BURMEISTER	DIRECTOR	1.00	Director	$0	$0	$0
VINCE BOILEAU	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT LUBBERS	AT LARGE EXECUTIVE COMMITE	1.00	Director	$0	$0	$0
BECCA DERNBERGER	AT LARGE EXECUTIVE COMMITE	1.00	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
2025	$2,204,659	$1,546,598	$6,514,742	$658,061
2024	$1,761,245	$1,459,141	$4,721,888	$302,104
2023	$1,459,457	$1,316,947	$4,336,629	$142,510
2022	$1,304,618	$1,244,002	$4,101,206	$60,616
2021	$1,331,470	$984,180	$4,107,005	$347,290
2020	$1,316,762	$1,212,210	$3,148,881	$104,552
2019	$1,342,377	$1,304,647	$3,031,529	$37,730
2018	$1,318,668	$1,200,099	$2,937,379	$118,569

MICHIGAN WEST COAST CHAMBER OF COMMERCE