SAINT PAUL AREA CHAMBER OF COMMERCE CHARITABLE FOUNDATION (EIN 411378952) - 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

1976

Legal Domicile

Principal Officer

BRENDA KYLE

Phone

6122235000

Tax Period

2024-01-01 to 2024-12-31

SAINT PAUL AREA CHAMBER OF COMMERCE CHARITABLE FOUNDATION, founded in 1976, is a small nonprofit that reported $413K in total revenue in fiscal year 2024. Revenue surged 45% from the prior year, signaling strong growth momentum. Expenses of $519K exceeded revenue, resulting in a 26% operating deficit.

Mission

TO GROW STRONG LEADERS AND PREPARE TOMORROW'S EMPLOYEES.

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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 $158,075

Program Service Revenue $251,729

Investment Income $17

Other Revenue $2,805

TOTAL REVENUE $412,626

Expense Breakdown

Grants Paid $153,056

Salaries & Benefits $187,983

Fundraising Expenses $51,124

Program Expenses $448,308

Other Expenses $178,172

TOTAL EXPENSES $519,211

Year-over-Year Comparison

	2024	2023	Change
Revenue	$412,626	$284,896	+0.4%
Expenses	$519,211	$395,788	+0.3%
Net Income	$-106,585	$-110,892	0.0%

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

N/A

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

$341,850

Total Directors

$341,850

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRENDA KYLE	PRESIDENT & SECRETARY	4.00	Officer Director	$0	$23,126	$241,342
KATHLEEN LOHMAR EXEL	FOUNDATION DIRECTOR	1.00	Officer Director	$0	$8,576	$100,508
JULIA JENSON	CHAIR	1.00	Officer Director	$0	$0	$0
SCOTT RYNDA	TREASURER	1.00	Officer Director	$0	$0	$0
KARYN BERG	DIRECTOR	0.30	Director	$0	$0	$0
DANA COTTRELL	DIRECTOR	0.30	Director	$0	$0	$0
NICKI DONLON	DIRECTOR	0.30	Director	$0	$0	$0
THERESE GALES	DIRECTOR	0.30	Director	$0	$0	$0
ROB GLYNN	DIRECTOR	0.30	Director	$0	$0	$0
BLAIR HARRINGTON	DIRECTOR	0.30	Director	$0	$0	$0
AMANDA KNUTSON	DIRECTOR	0.30	Director	$0	$0	$0
EMILY LAWRENCE	DIRECTOR	0.30	Director	$0	$0	$0
JOE LUTZ	DIRECTOR	0.30	Director	$0	$0	$0
TAMARA PRATO	DIRECTOR	0.30	Director	$0	$0	$0
EMILY POST	DIRECTOR	0.30	Director	$0	$0	$0
BRANDON ORDWAY	DIRECTOR	0.30	Director	$0	$0	$0
RACHEL REILING	DIRECTOR	0.30	Director	$0	$0	$0
MADELINE RUSH	DIRECTOR	0.30	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	No data	No data	No data	No data
2024	$412,626	$519,211	$134,355	$-106,585
2023	$284,896	$395,788	$181,741	$-110,892
2022	$553,351	$898,167	$402,273	$-344,816
2021	$845,015	$884,802	$674,268	$-39,787
2020	$1,944,946	$2,178,260	$802,873	$-233,314
2019	$1,147,362	$1,047,669	$1,127,129	$99,693
2018	$1,245,647	$871,487	$1,009,970	$374,160

SAINT PAUL AREA CHAMBER OF COMMERCE CHARITABLE FOUNDATION