HOYT LAKES CHAMBER OF COMMERCE (EIN 411632643) - 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

1986

Legal Domicile

Phone

2182252787

Tax Period

2024-06-01 to 2025-05-31

HOYT LAKES CHAMBER OF COMMERCE, founded in 1986, is a micro nonprofit in the Community Improvement sector that reported $10K in total revenue in fiscal year 2024. The organization ran a surplus of $10K, a strong 93% operating margin.

Mission

MAINTENANCE AND IMPROVEMENT OF BUSINESS CONDITIONS. SUPPORT AREA YOUTH ACTIVITY PROGRAMS. FOR 2024, $87,394 IN DONTATIONS WERE MADE TO THE COMMUNITY AND YOUTH PROGRAMS.

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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 $2,670

Program Service Revenue $0

Investment Income $15

Other Revenue $7,619

TOTAL REVENUE $10,304

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $682

TOTAL EXPENSES $682

Year-over-Year Comparison

	2024	2023	Change
Revenue	$10,304	$9,562	+0.1%
Expenses	$682	$2,263	-0.7%
Net Income	$9,622	$7,299	+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

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

$22,200

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JAMES KRAMAR	PRESIDENT	2.00	Officer	$0	$0	$0
BRIAN RADTKE	VICE PRESIDENT	1.00	Officer	$0	$0	$0
CATHERINE BARTHOLOMEW	TREASURER	1.00	Officer	$0	$0	$0
SUE SHIMMIN	SECRETARY	1.00	Officer	$0	$0	$0
CHERIE GRAMS	GAMBLING MANAGER	12.00	Director	$14,808	$0	$14,808
DEBBIE DEPEW	ASST GAMBLING MGR	6.00	Director	$7,392	$0	$7,392

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	$10,304	$682	$119,115	$9,622
2024	$9,562	$2,263	$108,633	$7,299
2023	$-217	$2,404	$101,335	$-2,621
2022	$58,447	$14,550	$103,956	$43,897
2021	$46,696	$21,117	$60,329	$25,579

HOYT LAKES CHAMBER OF COMMERCE