CURTIS AREA CHAMBER OF COMMERCE

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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

2001

Legal Domicile

Phone

9065863700

Tax Period

2025-01-01 to 2025-12-31

CURTIS AREA CHAMBER OF COMMERCE, founded in 2001, is a micro nonprofit that reported $68K in total revenue in fiscal year 2025. Revenue fell 22% from the prior year — a significant decline worth monitoring.

Mission

TO PROMOTE BUSINESS IN THE COMMUNITY

Program Service Accomplishments

Program 1

Expenses: $5,703

SPONSERED COMMUNITY EVENTS INCLUDING AN ART FAIR, FOURTH OF JULY CELEBRATION AND OKTOBERFEST

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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 $66,053

Program Service Revenue $0

Investment Income $31

Other Revenue $2,400

TOTAL REVENUE $68,484

Expense Breakdown

Grants Paid $0

Salaries & Benefits $25,707

Fundraising Expenses $0

Program Expenses $5,703

Other Expenses $42,991

TOTAL EXPENSES $68,698

Year-over-Year Comparison

	2025	2024	Change
Revenue	$68,484	$88,214	-0.2%
Expenses	$68,698	$90,637	-0.2%
Net Income	$-214	$-2,423	-0.9%

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
KELSIE RICHARDS	TRUSTEE	2.00	Director	$0	$0	$0
SUE GIBBONS	TRUSTEE	2.00	Director	$0	$0	$0
JEREMY REEB	TRUSTEE	2.00	Director	$0	$0	$0
CHAD KETOLA	PRESIDENT	2.00	Officer	$0	$0	$0
BRANDON WHEELER	VICE PRESIDENT	2.00	Officer	$0	$0	$0
KIM GRIMWOOD	SECRETARY	2.00	Officer	$0	$0	$0
MICHELLE ALLSTEADT	TREASURER	2.00	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	$68,484	$68,698	$57,369	$-214
2024	$88,214	$90,637	$54,692	$-2,423
2023	$160,515	$303,289	$126,849	$-142,774
2022	$450,430	$437,028	$269,624	$13,402
2018	$365,349	$115,305	$394,576	$250,044