White Lake Area Chamber of Commerce Inc (EIN 381948640) - 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

1971

Legal Domicile

Principal Officer

Erin Peyer

Phone

2318934585

Tax Period

2025-01-01 to 2025-12-31

White Lake Area Chamber of Commerce Inc, founded in 1971, is a small nonprofit that reported $229K in total revenue in fiscal year 2025. Revenue decreased 11% compared to the prior year.

Mission

Promote and develop business and tourism through marketing networking community events and involement and understanding business and community needs

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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 $103,815

Program Service Revenue $75,500

Investment Income $932

Other Revenue $48,972

TOTAL REVENUE $229,219

Expense Breakdown

Grants Paid $0

Salaries & Benefits $116,623

Fundraising Expenses $0

Other Expenses $108,879

TOTAL EXPENSES $225,502

Year-over-Year Comparison

	2025	2024	Change
Revenue	$229,219	$258,836	-0.1%
Expenses	$225,502	$287,583	-0.2%
Net Income	$3,717	$-28,747	-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

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

$76,029

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEPHANIE WARE	Exec Director	45.00	Key Emp	$76,029	$0	$76,029
BRENT RAETH	Past Chairperson	0.00	Officer Director	$0	$0	$0
ERIN PEYER	Chairperson	0.00	Officer Director	$0	$0	$0
TODD KRAAI	Board Member	0.00	Director	$0	$0	$0
SCOTT LEWIS	Board Member	0.00	Director	$0	$0	$0
CLARISSA MOON	ViceChairperson	0.00	Officer Director	$0	$0	$0
PETE MCCARTHY	Treasurer	0.00	Officer Director	$0	$0	$0
TRISH SCHROEDER	Board Member	0.00	Director	$0	$0	$0
JARED MOTT	Board Member	0.00	Director	$0	$0	$0
HOLLY SCHROEDER	Board Member	0.00	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	$229,219	$225,502	$315,744	$3,717
2024	$258,836	$287,583	$308,571	$-28,747
2023	$277,085	$244,185	$329,685	$32,900
2022	$300,893	$247,455	$287,409	$53,438
2021	$214,363	$177,796	$171,963	$36,567
2019	$236,151	$223,230	$126,487	$12,921
2018	$223,267	$223,752	$112,288	$-485

White Lake Area Chamber of Commerce Inc