Heart of Wisconsin Chamber of Commerce (EIN 390777810) - 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

1948

Legal Domicile

Phone

7154224861

Tax Period

2024-01-01 to 2024-12-31

Heart of Wisconsin Chamber of Commerce, founded in 1948, is a small nonprofit that reported $315K in total revenue in fiscal year 2024. Revenue decreased 12% compared to the prior year.

Mission

The organization mission is to promote economic and community development as well as promoting tourism. The organization is affiliated with the Wisconsin and United States Chambers of Commerce.

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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 $178,190

Program Service Revenue $121,401

Investment Income $12,847

Other Revenue $2,742

TOTAL REVENUE $315,180

Expense Breakdown

Grants Paid $0

Salaries & Benefits $265,741

Fundraising Expenses $0

Other Expenses $73,161

TOTAL EXPENSES $338,902

Year-over-Year Comparison

	2024	2023	Change
Revenue	$315,180	$357,380	-0.1%
Expenses	$338,902	$372,166	-0.1%
Net Income	$-23,722	$-14,786	+0.6%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Staci Kivi	President	40.00	Director	$0	$0	$0
Craig Bernstein	Director	0.00	Director	$0	$0	$0
Jill Dillon	Director	0.00	Director	$0	$0	$0
Janine Malcolm	Vice President	1.00	Officer Director	$0	$0	$0
Phillip Hartley	Director	0.00	Director	$0	$0	$0
Tori Nanstad	Director	0.00	Director	$0	$0	$0
Jamie Gebert	Secretary	1.00	Officer Director	$0	$0	$0
Craig Timm	Chairman	0.00	Director	$0	$0	$0
Craig Broeren	Director	1.00	Officer Director	$0	$0	$0
Patrick Gatterman	Director	0.00	Director	$0	$0	$0
Chasten Vruwink	Director	0.00	Director	$0	$0	$0
Matt Edwards	Treasurer	1.00	Officer Director	$0	$0	$0
Colton Kissinger	Director	0.00	Director	$0	$0	$0
Lauren Lueneberg	Director	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
2024	$315,180	$338,902	$537,882	$-23,722
2023	$357,380	$372,166	$582,917	$-14,786
2022	$354,500	$345,011	$611,468	$9,489
2021	$371,267	$335,965	$599,672	$35,302
2020	$313,366	$349,929	$555,352	$-36,563
2019	$333,891	$333,491	$606,022	$400
2018	$346,299	$337,246	$617,598	$9,053

Heart of Wisconsin Chamber of Commerce