RIVER HEIGHTS CHAMBER OF COMMERCE (EIN 410642281) - 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

1903

Legal Domicile

Principal Officer

BOB RUHLAND

Phone

6514512266

Tax Period

2024-01-01 to 2024-12-31

RIVER HEIGHTS CHAMBER OF COMMERCE, founded in 1903, is a small nonprofit that reported $160K in total revenue in fiscal year 2024. Revenue fell 32% from the prior year — a significant decline worth monitoring. Expenses of $180K exceeded revenue, resulting in a 13% operating deficit.

Mission

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

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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 $106,262

Program Service Revenue $0

Investment Income $150

Other Revenue $53,172

TOTAL REVENUE $159,584

Expense Breakdown

Grants Paid $0

Salaries & Benefits $77,132

Fundraising Expenses $4,767

Program Expenses $152,206

Other Expenses $103,195

TOTAL EXPENSES $180,327

Year-over-Year Comparison

	2024	2023	Change
Revenue	$159,584	$233,098	-0.3%
Expenses	$180,327	$209,081	-0.1%
Net Income	$-20,743	$24,017	-1.9%

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

$85,620

Total Directors

$93,239

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Bob Ruhland	President	40	Officer Director	$66,320	$5,750	$72,070
Regina Barr	Vice Chair	2.00	Officer Director	$13,550	$0	$13,550
Brian Emerson	Director	1	Director	$3,810	$0	$3,810
Esme Miranda	Director	1	Director	$3,809	$0	$3,809
CJ Rugh	Chair	2	Officer Director	$0	$0	$0
Elizabeth Barchenger	Director	1	Director	$0	$0	$0
John DeBettignies	Director	1	Director	$0	$0	$0
Kelton Glewwe	Director	1	Director	$0	$0	$0
Joe Harms	Director	1	Director	$0	$0	$0
Kim Koenig	Director	1	Director	$0	$0	$0
Sarah Lindner	Director	1	Director	$0	$0	$0
Travis Metzen	Director	1	Director	$0	$0	$0
Jerry Moynagh	Director	1	Director	$0	$0	$0
John Norton	Director	1	Director	$0	$0	$0
Nick Pettit	Director	1	Director	$0	$0	$0
Kari Rihm	Director	1	Director	$0	$0	$0
Kimberly Shaff	Director	1	Director	$0	$0	$0
Brian Taurinskas	Director	1	Director	$0	$0	$0
Nick Wrobel	Director	1	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
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

RIVER HEIGHTS CHAMBER OF COMMERCE