MANITOWISH WATERS CHAMBER OF COMMERCE CORP (EIN 390447589) - 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

1939

Legal Domicile

Principal Officer

CHRIS MCMURRAY

Phone

7155438488

Tax Period

2022-10-01 to 2023-09-30

MANITOWISH WATERS CHAMBER OF COMMERCE CORP, founded in 1939, is a small nonprofit that reported $182K in total revenue in fiscal year 2022.

Mission

TO PROMOTE THE INTERESTS, GENERAL WELFARE, AND PROSPERITY OF OUR MEMBERS AND THE MANITOWISH WATERS REGION. WE STRIVE TO PROMOTE OUR MEMBERS AND OUR VIBRANT COMMUNITY AS THE DESTINATION TO LIVE, WORK, AND PLAY.

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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 (2022)

Revenue Breakdown

Contributions & Grants $24,462

Program Service Revenue $156,116

Investment Income $67

Other Revenue $1,642

TOTAL REVENUE $182,287

Expense Breakdown

Grants Paid $0

Salaries & Benefits $101,931

Fundraising Expenses $0

Other Expenses $89,902

TOTAL EXPENSES $191,833

Year-over-Year Comparison

	2022	2021	Change
Revenue	$182,287	$180,400	+0.0%
Expenses	$191,833	$163,955	+0.2%
Net Income	$-9,546	$16,445	-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

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

$54,569

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PATRICIA GAUTHIER	EXEC DIR END	40.00	Officer	$41,346	$5,708	$47,054
KRISTEN SMITH	EXEC DIR BEG	40.00	Officer	$6,923	$592	$7,515
KRISTEN BIESCHEL	VICE PRESIDE	2.50	Officer Director	$0	$0	$0
LINDA LONG	TREASURER	2.50	Officer Director	$0	$0	$0
STEPHANIE MCCLELLAN	DIRECTOR	2.50	Director	$0	$0	$0
CHRIS MCMURRAY	PRESIDENT	2.50	Officer Director	$0	$0	$0
ANGIE NICOL	DIRECTOR	2.50	Director	$0	$0	$0
BROOKE RYDZEWSKI	SECRETARY	2.50	Officer Director	$0	$0	$0
DAN STELLA	DIRECTOR	2.50	Director	$0	$0	$0
KELLI STRAUBEL	DIRECTOR	2.50	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
2023	$182,287	$191,833	$105,194	$-9,546
2022	$180,400	$163,955	$114,855	$16,445
2021	$141,818	$166,074	$97,216	$-24,256
2020	$209,345	$203,749	$122,226	$5,596
2019	$178,045	$165,861	$116,609	$12,184
2018	$184,002	$148,801	$105,317	$35,201

MANITOWISH WATERS CHAMBER OF COMMERCE CORP