GREATER INTERNATIONAL FALLS CHAMBER OF COMMERCE (EIN 411269936) - 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

1953

Legal Domicile

Principal Officer

AARON SHUFF

Phone

2182839400

Tax Period

2024-05-01 to 2025-04-30

GREATER INTERNATIONAL FALLS CHAMBER OF COMMERCE, founded in 1953, is a small nonprofit that reported $113K in total revenue in fiscal year 2024. Revenue surged 37% from the prior year, signaling strong growth momentum. Expenses of $99K left a modest 12% surplus.

Mission

THE GREATER INTERNATIONAL FALLS CHAMBER OF COMMERCE IS A BUSINESS ORGANIZATON COMMITTED TO PROVIDING A LONG RANGE UNIFYING VISION FOR OUR COMMUNITY WHILE ADVOCATING FOR THE RETENTION AND EXPANSION OF JOBS

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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 $75,132

Program Service Revenue $0

Investment Income $123

Other Revenue $38,000

TOTAL REVENUE $113,255

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,521

Fundraising Expenses $0

Program Expenses $99,304

Other Expenses $91,783

TOTAL EXPENSES $99,304

Year-over-Year Comparison

	2024	2023	Change
Revenue	$113,255	$82,610	+0.4%
Expenses	$99,304	$90,262	+0.1%
Net Income	$13,951	$-7,652	-2.8%

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

N/A

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

$7,501

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AARON SHUFF	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
ERIC KULIG	VICE CHAIR	1.00	Officer Director	$0	$0	$0
KARLEY MASTIN	SECRETARY	1.00	Officer Director	$0	$0	$0
TARA ARNDT	TREASURER	1.00	Director	$0	$0	$0
SHAWN MASON	DIRECTOR	1.00	Director	$0	$0	$0
JEANIE TILANDER	DIRECTOR	1.00	Director	$0	$0	$0
GREG WILIAMS	DIRECTOR	1.00	Director	$0	$0	$0
KAYLA CLUFF	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN RAUZI	DIRECTOR	1.00	Director	$0	$0	$0
ROXANNE SPRECCO	DIRECTOR	1.00	Director	$0	$0	$0
ED GACKLEY	DIRECTOR	1.00	Director	$0	$0	$0
KALLIE BRIGGS	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER MCBRIDE	EXECUTIVE DI	40.00	Director	$7,501	$0	$7,501

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	$113,255	$99,304	$103,470	$13,951
2024	$82,610	$90,262	$120,706	$-7,652
2023	$79,018	$40,689	$95,472	$38,329
2022	$82,490	$109,476	$53,127	$-26,986
2021	$108,622	$125,794	$99,455	$-17,172

GREATER INTERNATIONAL FALLS CHAMBER OF COMMERCE