WEST BEND AREA CHAMBER OF COMMERCE (EIN 391140681) - 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

1913

Legal Domicile

Principal Officer

TONI GUMINA

Phone

2623382666

Tax Period

2025-01-01 to 2025-12-31

WEST BEND AREA CHAMBER OF COMMERCE, founded in 1913, is a small nonprofit in the Community Improvement sector that reported $376K in total revenue in fiscal year 2025.

Mission

MISSION OF THE WEST BEND AREA CHAMBER OF COMMERCE TO FOSTER A THRIVING BUSINESS COMMUNITY IN THE WEST BEND AREA BY PROMOTING, ADVOCATING, CONNECTING, AND EDUCATING OUR MEMBERS. VISION OF THE WEST BEND AREA CHAMBER OF COMMERCE THE WEST BEND AREA WILL BE KNOWN FOR COURAGEOUS LEADERSHIP, THRIVING BUSINESS, AND A WELCOMING REGION FOR GROWTH AND PROSPERITY. PILLARS OF THE WEST BEND AREA CHAMBER OF COMMERCE: P.A.C.E. - PROMOTE (BUSINESS PROMOTION, CITY PROMOTION, COUNTY PROMOTION) - ADVOCATE (ECONOMIC DEVELOPMENT/WORKFORCE DEVELOPMENT/DIVERSITY, EQUITY & INCLUSION) - CONNECT (NETWORKING/PARTNERSHIPS) - EDUCATE (DEVELOP) VALUES OF THE WEST BEND AREA CHAMBER OF COMMERCE: G.R.E.A.T. - GRATEFUL - RESOURCEFUL - ENGAGED - ACCEPTING - TRUSTWORTHY

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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 $139,362

Program Service Revenue $207,561

Investment Income $4,704

Other Revenue $24,389

TOTAL REVENUE $376,016

Expense Breakdown

Grants Paid $2,525

Salaries & Benefits $201,858

Fundraising Expenses $0

Other Expenses $175,747

TOTAL EXPENSES $380,130

Year-over-Year Comparison

	2025	2024	Change
Revenue	$376,016	$363,636	+0.0%
Expenses	$380,130	$356,550	+0.1%
Net Income	$-4,114	$7,086	-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

$91,520

Total Directors

$91,520

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TONI GUMINA	PRESIDENT &	40.00	Officer Director	$91,520	$0	$91,520
ALLEN BROWN	DIRECTOR	1.00	Director	$0	$0	$0
ALLEN ERICSON	DIRECTOR	1.00	Director	$0	$0	$0
KATRINA HANSON	DIRECTOR	1.00	Director	$0	$0	$0
TROY HANSON	VICE CHAIRMA	1.00	Officer Director	$0	$0	$0
MICHELLE HOCKERS	CHAIRMAN	1.00	Officer Director	$0	$0	$0
ROB JACQUES	DIRECTOR	1.00	Director	$0	$0	$0
STEVE KILIAN JR	DIRECTOR	1.00	Director	$0	$0	$0
SARAH MALCHOW	TREASURER	1.00	Officer Director	$0	$0	$0
FUZZ MARTIN	DIRECTOR	1.00	Director	$0	$0	$0
ANDREW NIEBLER	PAST CHAIRMA	1.00	Officer Director	$0	$0	$0
TRAVIS ROELL	DIRECTOR	1.00	Director	$0	$0	$0
AMY SCHMOLDT	DIRECTOR	1.00	Director	$0	$0	$0
AUSTIN WEBER	DIRECTOR	1.00	Director	$0	$0	$0
JERAD YAPP	DIRECTOR	1.00	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
2025	$376,016	$380,130	$446,674	$-4,114
2024	$363,636	$356,550	$425,073	$7,086
2023	$384,995	$382,742	$410,787	$2,253
2022	$334,895	$334,907	$398,444	$-12
2021	$348,728	$355,963	$411,708	$-7,235
2020	$381,026	$327,613	$430,279	$53,413
2019	$366,463	$331,270	$370,720	$35,193
2018	$385,050	$361,336	$359,458	$23,714

WEST BEND AREA CHAMBER OF COMMERCE