CEDARBURG 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

1945

Legal Domicile

Phone

2623775856

Tax Period

2024-01-01 to 2024-12-31

CEDARBURG CHAMBER OF COMMERCE, founded in 1945, is a small nonprofit that reported $251K in total revenue in fiscal year 2024.

Mission

BUSINESS PROMOTION

Program Service Accomplishments

Program 1

Expenses: $128,978

COORDINATION OF PROMOTIONAL EVENTS INCLUDING 4TH OF JULY CELEBRATION, VISITOR GUIDE, LOCATOR MAP, HOLIDAY TREE LIGHTING, FARMER'S MARKET, WEBSITE, GOLF OUTING, BANNER, GIFT CHECK, AND BUSINESS FAIR

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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 $100,457

Program Service Revenue $0

Investment Income $5,234

Other Revenue $145,266

TOTAL REVENUE $250,957

Expense Breakdown

Grants Paid $5,000

Salaries & Benefits $117,626

Fundraising Expenses $0

Program Expenses $128,978

Other Expenses $123,608

TOTAL EXPENSES $246,234

Year-over-Year Comparison

	2024	2023	Change
Revenue	$250,957	$242,249	+0.0%
Expenses	$246,234	$228,885	+0.1%
Net Income	$4,723	$13,364	-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

N/A

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

$72,268

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARGARET DOBSON	President	40.00	Officer	$72,268	$0	$72,268
SARAH PRASSER	Director	1.00	Director	$0	$0	$0
KRIS VOLKMAN	Director	1.00	Director	$0	$0	$0
STEVE MICHALICA	Director	1.00	Director	$0	$0	$0
JENNY TERRILL	Director	1.00	Director	$0	$0	$0
KEN THEILER	Director	1.00	Officer Director	$0	$0	$0
MIKE CIBULKA	Director	1.00	Director	$0	$0	$0
TERESA SIGLER	Director	1.00	Director	$0	$0	$0
DAWN DEGEORGE	VICE CHAIR	1.00	Officer	$0	$0	$0
BRIDGIE PHOA	BOARD CHAIR	1.00	Officer	$0	$0	$0
EVAN BROOK	Treasurer	1.00	Officer	$0	$0	$0
PETER ROGERS	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
2025	No data	No data	No data	No data
2024	$250,957	$246,234	$474,230	$4,723
2023	$242,249	$228,885	$457,381	$13,364
2022	$281,515	$174,238	$437,158	$107,277
2021	$225,983	$136,709	$370,672	$89,274
2020	$198,233	$134,837	$280,363	$63,396
2019	$190,390	$182,968	$138,662	$7,422
2018	$244,754	$194,199	$113,071	$50,555