BAYFIELD CHAMBER OF COMMERCE & VISITOR BUREAU (EIN 391340090) - 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

1982

Legal Domicile

Principal Officer

LIZZIE CAMSTRA HUGHES

Phone

7157793335

Tax Period

2023-01-01 to 2023-12-31

BAYFIELD CHAMBER OF COMMERCE & VISITOR BUREAU, founded in 1982, is a small nonprofit in the Community Improvement sector that reported $778K in total revenue in fiscal year 2023. Revenue grew 12% year-over-year, indicating healthy expansion.

Mission

PROMOTE GREATER BAYFIELD - FOR VISITORS, BUSINESS AND OUR COMMUNITIES.

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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 $139,563

Program Service Revenue $363,320

Investment Income $1,020

Other Revenue $274,477

TOTAL REVENUE $778,380

Expense Breakdown

Grants Paid $0

Salaries & Benefits $218,615

Fundraising Expenses $0

Other Expenses $598,486

TOTAL EXPENSES $817,101

Year-over-Year Comparison

	2023	2022	Change
Revenue	$778,380	$695,712	+0.1%
Expenses	$817,101	$714,932	+0.1%
Net Income	$-38,721	$-19,220	+1.0%

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
JULIE BUCKLES	BOARD MEMBER	1.00	Director	$0	$0	$0
JANINE JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
BENJAMIN THOEN	BOARD MEMBER	1.00	Director	$0	$0	$0
CURT BASINA	VICE PRESIDE	1.00	Officer	$0	$0	$0
LIZZIE CAMSTRA HUGHES	PRESIDENT	1.00	Officer	$0	$0	$0
SARA NORTON	TREASURER	1.00	Officer	$0	$0	$0
JILL RENNICKE	SECRETARY	1.00	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
2023	$778,380	$817,101	$811,071	$-38,721
2022	$694,712	$714,932	$876,089	$-20,220
2021	$572,673	$500,746	$933,881	$71,927
2020	$530,464	$358,635	$935,151	$171,829
2019	$536,257	$580,278	$772,278	$-44,021
2018	$542,626	$537,077	$735,210	$5,549

BAYFIELD CHAMBER OF COMMERCE & VISITOR BUREAU