MARSHALL AREA CHAMBER OF COMMERCE (EIN 410395440) - 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

LESLIE HART

Phone

5075324484

Tax Period

2024-10-01 to 2025-09-30

MARSHALL AREA CHAMBER OF COMMERCE, founded in 1982, is a small nonprofit that reported $376K in total revenue in fiscal year 2024. Expenses of $344K left a modest 9% surplus.

Mission

CHAMBER'S CORE PURPOSE IS TO BE A CATALYST FOR MARSHALL'S CONTINUED SUCCESS AS A REGIONAL BUSINESS CENTER IN SOUTHWEST MINNESOTA.

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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 $221,738

Program Service Revenue $135,076

Investment Income $11,329

Other Revenue $8,224

TOTAL REVENUE $376,367

Expense Breakdown

Grants Paid $0

Salaries & Benefits $196,715

Fundraising Expenses $0

Program Expenses $235,747

Other Expenses $147,511

TOTAL EXPENSES $344,226

Year-over-Year Comparison

	2024	2023	Change
Revenue	$376,367	$356,691	+0.1%
Expenses	$344,226	$331,369	+0.0%
Net Income	$32,141	$25,322	+0.3%

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

110

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
PATTY ALCORN	DIRECTOR	N/A	Director	$0	$0	$0
CHARLES EHLERS	DIRECTOR	N/A	Director	$0	$0	$0
HAYLEY FRUIN	DIRECTOR	N/A	Director	$0	$0	$0
ELLEN GRIEBEL	DIRECTOR	N/A	Director	$0	$0	$0
MANDY HURR	DIRECTOR	N/A	Director	$0	$0	$0
CHAD KULLA	DIRECTOR	N/A	Director	$0	$0	$0
MORGAN MAHONEY	DIRECTOR	N/A	Director	$0	$0	$0
MELISSA MARANELL	DIRECTOR	N/A	Director	$0	$0	$0
ERIC MCVEY	DIRECTOR	N/A	Director	$0	$0	$0
GINA MEULEBROCK	DIRECTOR	N/A	Director	$0	$0	$0
LAURA O'ROURKE	DIRECTOR	N/A	Director	$0	$0	$0
ROGER RICKE	DIRECTOR	N/A	Director	$0	$0	$0
JEREMY GOSSEN	BOARD CHAIR	N/A	Officer	$0	$0	$0
LESLIE HART	VICE CHAIR	N/A	Officer	$0	$0	$0
BILL MUSO	TREASURER	N/A	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	$376,367	$344,226	$558,677	$32,141
2024	$356,691	$331,369	$512,494	$25,322
2023	$432,129	$345,408	$483,831	$86,721
2022	$340,054	$327,608	$391,220	$12,446
2021	$392,814	$335,342	$364,934	$57,472
2020	$394,587	$390,949	$296,557	$3,638
2019	$430,289	$439,769	$298,849	$-9,480
2018	$578,889	$578,973	$304,256	$-84

MARSHALL AREA CHAMBER OF COMMERCE