CADILLAC 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

1939

Legal Domicile

Principal Officer

CAITLYN STARK

Phone

2317759776

Tax Period

2023-07-01 to 2024-06-30

CADILLAC AREA CHAMBER OF COMMERCE, founded in 1939, is a small nonprofit that reported $307K in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $367K exceeded revenue, resulting in a 20% operating deficit.

Mission

THE CADILLAC AREA CHAMBER OF COMMERCE IS A VISIBLE BUSINESS LEADER THAT ADVOCATED AND DRIVES BUSINESS OPPORTUNITIES. THROUGH BUSINESS ALLIANCES, WE ARE A CATALYST FOR OUR MEMBERSHIP AND PROVIDE A PERSUASIVE REGIONAL VOICE BENEFITING OUR COMMUNITIES.

Program Service Accomplishments

Program 1

Expenses: $210,869 Revenue: $174,163

THE CHAMBER SERVES A DIVERSE MEMBERSHIP BASE FROM SMALL BUSINESS, EDUCATION, HEALTH CARE, MANUFACTURING, NON-PROFIT ORGANIZATIONS, SERVICE, RETAIL SECTORS, TOURISM AND MORE. THE CADILLAC AREA CHAMBER OF COMMERCE DRIVES BUSINESS FORWARD IN THESE FIELDS BY BEING THE CATALYST FOR LEGISLATIVE VOICE, REFERRAL INTEGRATION, AND LEADERSHIP AMALGAMATION IN THE CADILLAC 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 (2023)

Revenue Breakdown

Contributions & Grants $131,276

Program Service Revenue $174,163

Investment Income $324

Other Revenue $1,177

TOTAL REVENUE $306,940

Expense Breakdown

Grants Paid $0

Salaries & Benefits $165,504

Fundraising Expenses $0

Program Expenses $210,869

Other Expenses $201,892

TOTAL EXPENSES $367,396

Year-over-Year Comparison

	2023	2022	Change
Revenue	$306,940	$279,909	+0.1%
Expenses	$367,396	$306,735	+0.2%
Net Income	$-60,456	$-26,826	+1.3%

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

N/A

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
JENNIFER BROWN	DIRECTOR	N/A	Director	$0	$0	$0
DAWN CASEY	DIRECTOR	N/A	Director	$0	$0	$0
ERIN FOLEY	DIRECTOR	N/A	Director	$0	$0	$0
DEREK GRAHAM	TREASURER	N/A	Officer Director	$0	$0	$0
MIKE HAYES	DIRECTOR	N/A	Director	$0	$0	$0
CRAIG HEWITT	DIRECTOR	N/A	Director	$0	$0	$0
RANDY HILL	DIRECTOR	N/A	Director	$0	$0	$0
KYLE KLEIN	DIRECTOR	N/A	Director	$0	$0	$0
LEE RICHARDS	DIRECTOR	N/A	Director	$0	$0	$0
GREG SPENCER	DIRECTOR	N/A	Director	$0	$0	$0
CHRISTOPHER STAUB	DIRECTOR	N/A	Director	$0	$0	$0
PATRICK A TIEDT	DIRECTOR	N/A	Director	$0	$0	$0
JOSH TRUST	DIRECTOR	N/A	Director	$0	$0	$0
PETER MARINOFF	VICE CHAIR	N/A	Officer	$0	$0	$0
CAITLYN STARK	PRESIDENT	N/A	Officer	$0	$0	$0
CARRIE THOMPSON	CHAIR	N/A	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	No data	No data	No data	No data
2024	$306,940	$367,396	$114,647	$-60,456
2023	$279,909	$306,735	$176,553	$-26,826
2022	$337,681	$366,803	$242,391	$-29,122
2021	$340,011	$318,355	$238,573	$21,656
2020	$288,512	$303,187	$228,490	$-14,675
2019	$435,225	$443,678	$257,398	$-8,453