MICHIGAN WEST COAST CHAMBER OF COMMERCE FOUNDATION (EIN 382476780) - 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

1982

Legal Domicile

Principal Officer

JODI OWCZARSKI

Phone

6163922389

Tax Period

2024-09-01 to 2025-08-31

MICHIGAN WEST COAST CHAMBER OF COMMERCE FOUNDATION, founded in 1982, is a small nonprofit that reported $403K in total revenue in fiscal year 2024. Revenue surged 3809% from the prior year, signaling strong growth momentum. The organization ran a surplus of $189K, a strong 47% operating margin.

Mission

CHANNELS INDIVIDUAL, MEMBER, AND CORPORATE GIFTS FOR BENEFIT OF 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 (2024)

Revenue Breakdown

Contributions & Grants $400,000

Program Service Revenue $0

Investment Income $3,120

Other Revenue $0

TOTAL REVENUE $403,120

Expense Breakdown

Grants Paid $212,500

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $213,900

Other Expenses $1,560

TOTAL EXPENSES $214,060

Year-over-Year Comparison

	2024	2023	Change
Revenue	$403,120	$10,313	+38.1%
Expenses	$214,060	$15,130	+13.1%
Net Income	$189,060	$-4,817	-40.2%

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

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

$366,250

Total Directors

$366,250

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JODI OWCZARSKI	CHAMBER PRESIDENT	0.50	Officer Director	$0	$30,520	$259,086
PATTI VANDORT	VICE-CHAIR / TREASURER	0.50	Officer Director	$0	$0	$0
PAUL BRINKS	CHAIR	0.50	Officer Director	$0	$0	$0
SCOTT LUBBERS	AT LARGE EXECUTIVE COMMITE	0.50	Director	$0	$0	$0
BECCA DERNBERGER	AT LARGE EXECUTIVE COMMITE	0.50	Director	$0	$0	$0
BRITT DELO	SECRETARY	0.50	Officer Director	$0	$6,536	$107,164
DAVID BOLT	PAST CHAIR	0.50	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	$403,120	$214,060	$323,404	$189,060

MICHIGAN WEST COAST CHAMBER OF COMMERCE FOUNDATION