GRAND BLANC CHAMBER OF COMMERCE (EIN 382202815) - 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

1984

Legal Domicile

Principal Officer

LEIGH LAFOREST

Phone

8106954222

Tax Period

2025-01-01 to 2025-12-31

GRAND BLANC CHAMBER OF COMMERCE, founded in 1984, is a small nonprofit that reported $302K in total revenue in fiscal year 2025. Revenue fell 24% from the prior year — a significant decline worth monitoring. Expenses of $335K exceeded revenue, resulting in a 11% operating deficit.

Mission

THE GRAND BLANC CHAMBER WILL BE A MODEL OF EXCELLENCE THAT PUTS ITS MEMBERS FIRST. WE WILL SERVE AS A COMMUNITY LEADER BY BEING A SUPPORTIVE, PROACTIVE, BUSINESS ADVOCATE FOR VITAL ECONOMIC GROWTH THAT GIVES OUR MEMBERS A COMPETITIVE EDGE. WE WILL PARTNER OUR MEMBERS TO MAKE THE GRAND BLANC CHAMBER OF COMMERCE AN ORGANIZATION OF PROMOTION FOR THE MEMBERS.

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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 $123,574

Program Service Revenue $144,130

Investment Income $1,587

Other Revenue $32,390

TOTAL REVENUE $301,681

Expense Breakdown

Grants Paid $0

Salaries & Benefits $205,456

Fundraising Expenses $18,712

Other Expenses $129,082

TOTAL EXPENSES $334,538

Year-over-Year Comparison

	2025	2024	Change
Revenue	$301,681	$398,407	-0.2%
Expenses	$334,538	$404,103	-0.2%
Net Income	$-32,857	$-5,696	+4.8%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINE GLEASON	DIRECTOR	1.00	Director	$0	$0	$0
TINA REITER	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER RYGALSKI	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT BENNETT	SECRETARY	1.00	Officer	$0	$0	$0
THERESA HURLEY-COONEY	TREASURER	1.00	Officer	$0	$0	$0
ED LEE	CHAIR	1.00	Officer	$0	$0	$0
SCOTT SASSACK	VICE CHAIR	1.00	Officer	$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	$301,681	$334,538	$138,773	$-32,857
2024	$398,407	$404,103	$187,856	$-5,696
2023	$327,134	$356,896	$210,640	$-29,762
2022	$337,936	$312,499	$210,772	$25,437
2021	$298,715	$292,497	$200,571	$6,218
2020	$189,587	$229,265	$215,105	$-39,678
2019	$375,591	$361,103	$248,435	$14,488
2018	$356,470	$346,213	$212,325	$10,257

GRAND BLANC CHAMBER OF COMMERCE