SAGINAW COUNTY CHAMBER OF COMMERCE (EIN 380995390) - 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

1909

Legal Domicile

Principal Officer

VERONICA HORN

Tax Period

2023-01-01 to 2023-12-31

SAGINAW COUNTY CHAMBER OF COMMERCE, founded in 1909, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2023. Revenue surged 36% from the prior year, signaling strong growth momentum. Expenses of $1.1M left a modest 7% surplus.

Mission

TO BE A CATALYST FOR ECONOMIC AND COMMUNITY PROGRESS WITHIN THE GREAT LAKES BAY REGION.

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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 $0

Program Service Revenue $1,006,677

Investment Income $129,112

Other Revenue $20,983

TOTAL REVENUE $1,156,772

Expense Breakdown

Grants Paid $0

Salaries & Benefits $541,504

Fundraising Expenses $0

Other Expenses $530,983

TOTAL EXPENSES $1,072,487

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,156,772	$851,441	+0.4%
Expenses	$1,072,487	$976,544	+0.1%
Net Income	$84,285	$-125,103	-1.7%

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

100

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

$140,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BETH THIEME	IMMEDIATE PA	1.00	Officer Director	$0	$0	$0
GAVIN GOETZ	CHAIR	1.00	Officer Director	$0	$0	$0
ANDY MEHL	TREASURER	1.00	Officer Director	$0	$0	$0
TOM BASIL JR	CORPORATE CO	1.00	Director	$0	$0	$0
JOHN BOOTHROYD	DIRECTOR	1.00	Director	$0	$0	$0
SETH PERIGO	VICE CHAIR	1.00	Officer Director	$0	$0	$0
PASTOR CHRIS PRYOR	DIRECTOR	1.00	Director	$0	$0	$0
MARY STORM	DIRECTOR	1.00	Director	$0	$0	$0
BROOKE BEEBE	DIRECTOR	1.00	Director	$0	$0	$0
STEVE CANOLE	DIRECTOR	1.00	Director	$0	$0	$0
BETH CHARLTON	SECRETARY	1.00	Officer Director	$0	$0	$0
MICHAEL COLBY	DIRECTOR	1.00	Director	$0	$0	$0
JOANN CRARY	DIRECTOR	1.00	Director	$0	$0	$0
DAN DRALLE	DIRECTOR	1.00	Director	$0	$0	$0
JENNY GENO	DIRECTOR	1.00	Director	$0	$0	$0
JOHN KACZYNSKI	DIRECTOR	1.00	Director	$0	$0	$0
PAVEL KONECNY	DIRECTOR	1.00	Director	$0	$0	$0
SHARON LEAMAN-CASE	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN MANNOR	DIRECTOR	1.00	Director	$0	$0	$0
CLARENCE RIVETTE	DIRECTOR	1.00	Director	$0	$0	$0
ANNETTE RUMMEL	DIRECTOR	1.00	Director	$0	$0	$0
PETER SHAHEEN	DIRECTOR	1.00	Director	$0	$0	$0
VERONICA HORN	PRESIDENT/CE	40.00	Officer	$140,000	$0	$140,000
STEPHANIE DUGGAN	DIRECTOR	1.00	Director	$0	$0	$0
PAT HENGESBACH	DIRECTOR	1.00	Director	$0	$0	$0
NANCY DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
JON LYNCH	DIRECTOR	1.00	Director	$0	$0	$0
JEFF STOUTENBURG	DIRECTOR	1.00	Director	$0	$0	$0
MARTHA ZEHNDER KACZYNSKI	DIRECTOR	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
2024	No data	No data	No data	No data
2023	$1,156,772	$1,072,487	$1,596,083	$84,285
2022	$851,441	$976,544	$1,566,180	$-125,103
2021	$1,017,024	$792,540	$1,611,893	$224,484
2020	$924,011	$816,354	$1,406,641	$107,657

SAGINAW COUNTY CHAMBER OF COMMERCE