GAYLORD AREA CHAMBER OF COMMERCE (EIN 381305387) - 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

1950

Legal Domicile

Principal Officer

PAUL GUNDERSON

Phone

9897326333

Tax Period

2025-01-01 to 2025-12-31

GAYLORD AREA CHAMBER OF COMMERCE, founded in 1950, is a small nonprofit that reported $494K in total revenue in fiscal year 2025.

Mission

TO SUPPORT BUSINESS DEVELOPMENT OF OUR MEMBERS FOR A STRONGER 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 (2025)

Revenue Breakdown

Contributions & Grants $158,329

Program Service Revenue $307,778

Investment Income $6,908

Other Revenue $20,815

TOTAL REVENUE $493,830

Expense Breakdown

Grants Paid $0

Salaries & Benefits $147,278

Fundraising Expenses $0

Other Expenses $349,970

TOTAL EXPENSES $497,248

Year-over-Year Comparison

	2025	2024	Change
Revenue	$493,830	$511,001	0.0%
Expenses	$497,248	$451,334	+0.1%
Net Income	$-3,418	$59,667	-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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
COURTNEY WILLITS	VICE CHAIR	2.00	Officer Director	$0	$0	$0
BRIAN GERTSTENBERGER	CHAIRPERSON	2.00	Officer Director	$0	$0	$0
AMANDA APITZ	PAST CHAIRPERSON	2.00	Director	$0	$0	$0
COLLIN WILSON	DIRECTOR	2.00	Director	$0	$0	$0
ANGELA JEWETT	DIRECTOR	2.00	Director	$0	$0	$0
DENNIS KECK	DIRECTOR	2.00	Director	$0	$0	$0
KIRK MILLER	DIRECTOR	2.00	Director	$0	$0	$0
KEVIN MCKINLEY	SECRETARY	2.00	Officer Director	$0	$0	$0
SHAUNA VANDEVENTER	TREASURER	2.00	Officer Director	$0	$0	$0
KIM AWREY	DIRECTOR	2.00	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	$493,830	$497,248	$885,090	$-3,418
2024	$511,001	$451,334	$893,250	$59,667
2023	$479,292	$388,575	$851,785	$90,717
2022	$450,987	$379,544	$797,865	$71,443
2021	$447,220	$279,558	$782,992	$167,662
2020	$219,995	$228,825	$675,464	$-8,830
2019	$486,701	$470,365	$691,404	$16,336
2018	$530,745	$445,036	$666,876	$85,709

GAYLORD AREA CHAMBER OF COMMERCE