RIVER HEIGHTS 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

1903

Legal Domicile

Principal Officer

Bob Ruhland

Phone

6514512266

Tax Period

2025-01-01 to 2025-12-31

RIVER HEIGHTS CHAMBER OF COMMERCE, founded in 1903, is a small nonprofit that reported $163K in total revenue in fiscal year 2025.

Mission

To aggressively promote the interests of the business community through advocacy, partnerships, member services, networking events, and educational & workforce seminars and resources.

Program Service Accomplishments

Program 1

Expenses: $110,968 Revenue: $93,311

The Chamber is dedicated to encouraging and stimulating individuals in taking an active role in the community by providing a variety of opportunities for businesses to create new networks of...

The Chamber is dedicated to encouraging and stimulating individuals in taking an active role in the community by providing a variety of opportunities for businesses to create new networks of contacts, volunteers, and friends. To recognize business achievements, provide useful publications to members including a directory, weekly updates, maps and guides. To provide updates on business, government and social issues. In 2024, the Chamber served approximately 210 members.

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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 $100,522

Program Service Revenue $10,466

Investment Income $3,718

Other Revenue $48,712

TOTAL REVENUE $163,418

Expense Breakdown

Grants Paid $0

Salaries & Benefits $86,844

Fundraising Expenses $4,932

Program Expenses $110,968

Other Expenses $76,507

TOTAL EXPENSES $163,351

Year-over-Year Comparison

	2025	2024	Change
Revenue	$163,418	$159,584	+0.0%
Expenses	$163,351	$180,327	-0.1%
Net Income	$67	$-20,743	-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

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

$75,313

Total Directors

$4,003

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Bob Ruhland	President	40	Officer	$69,563	$5,750	$75,313
Esme Miranda	Director	2	Director	$4,003	$0	$4,003
CJ Rugh	Chair	4	Officer Director	$0	$0	$0
Regina Barr	Vice Chair	2	Officer Director	$0	$0	$0
Brian Emerson	Director	2	Director	$0	$0	$0
Elizabeth Barchenger	Director	2	Director	$0	$0	$0
John DeBettignies	Director	1	Director	$0	$0	$0
Kelton Glewwe	Director	2	Director	$0	$0	$0
Kim Koenig	Director	2	Director	$0	$0	$0
Traci Leffner	Director	2	Director	$0	$0	$0
Travis Metzen	Director	2	Director	$0	$0	$0
Jerome Walter Moynagh	Director	2	Director	$0	$0	$0
John Norton	Director	2	Director	$0	$0	$0
Nick Pettit	Director	2	Director	$0	$0	$0
Kari Rihm	Director	2	Director	$0	$0	$0
Kimberly Shaff	Director	2	Director	$0	$0	$0
John Smale	Director	2	Director	$0	$0	$0
Nick Wrobel	Director	2	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	$163,418	$163,351	$154,516	$67
2024	$159,584	$180,327	$160,924	$-20,743
2023	$233,098	$209,081	$142,316	$24,017
2022	$227,534	$247,461	$118,675	$-19,927
2021	$286,412	$204,607	$141,310	$81,805
2020	$291,419	$277,798	$102,462	$13,621
2019	$319,153	$349,297	$106,045	$-30,144
2018	$253,069	$311,017	$142,852	$-57,948