Cedar Chamber of Commerce (EIN 382339877) - 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

1997

Legal Domicile

Principal Officer

Pam Novak

Phone

2312283378

Tax Period

2024-01-01 to 2024-12-31

Cedar Chamber of Commerce, founded in 1997, is a micro nonprofit that reported $49K in total revenue in fiscal year 2024. Revenue fell 52% from the prior year — a significant decline worth monitoring. Expenses of $67K exceeded revenue, resulting in a 36% operating deficit.

Mission

Provide information to residents and visitors to the Cedar area and promote, support, and grow businesses in the Cedar Area

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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 $5,748

Program Service Revenue $0

Investment Income $1,471

Other Revenue $41,978

TOTAL REVENUE $49,197

Expense Breakdown

Grants Paid $3,500

Salaries & Benefits $19,758

Fundraising Expenses $0

Program Expenses $66,678

Other Expenses $43,420

TOTAL EXPENSES $66,678

Year-over-Year Comparison

	2024	2023	Change
Revenue	$49,197	$102,458	-0.5%
Expenses	$66,678	$73,903	-0.1%
Net Income	$-17,481	$28,555	-1.6%

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

N/A

Volunteers

225

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

$17,954

Total Directors

$17,954

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lisa Rossi Brett	Executive Dir.	4.00	Officer Director	$12,600	$0	$12,600
Ron Novak	Treasurer	4.00	Officer Director	$2,500	$0	$2,500
Cindy Kunde-Gale	Secretary	4.00	Officer Director	$1,954	$0	$1,954
Pam Novak	President	4.00	Officer Director	$900	$0	$900
Kimberly Ritchie	Trustee	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	No data	No data	No data	No data
2024	$49,197	$66,678	$235,423	$-17,481
2023	$102,458	$73,903	$312,159	$28,555

Cedar Chamber of Commerce