COTTAGE GROVE AREA CHAMBER OF COMMERCE (EIN 411765614) - 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

1971

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

COTTAGE GROVE AREA CHAMBER OF COMMERCE, founded in 1971, is a small nonprofit that reported $208K in total revenue in fiscal year 2023. Expenses of $199K left a modest 4% surplus.

Mission

GROW & SUPPORT LOCAL BUSINESSES

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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 (2023)

Revenue Breakdown

Contributions & Grants $111,326

Program Service Revenue $96,329

Investment Income $213

Other Revenue $0

TOTAL REVENUE $207,868

Expense Breakdown

Grants Paid $0

Salaries & Benefits $96,887

Fundraising Expenses $0

Program Expenses $198,514

Other Expenses $101,627

TOTAL EXPENSES $198,514

Year-over-Year Comparison

	2023	2022	Change
Revenue	$207,868	$209,583	0.0%
Expenses	$198,514	$190,264	+0.0%
Net Income	$9,354	$19,319	-0.5%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MONIQUE GARZA	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFFREY SHOEMAKER	BOARD MEMBER	1.00	Director	$0	$0	$0
CURT SWANSON	BOARD MEMBER	1.00	Director	$0	$0	$0
ADRIENNA CASE	BOARD MEMBER	1.00	Director	$0	$0	$0
KELLY RASHAW	BOARD MEMBER	1.00	Director	$0	$0	$0
RYAN WESTON	STANDING BOARD MEMBER	1.00	Director	$0	$0	$0
DAN PYAN	STANDING BOARD MEMBER	1.00	Director	$0	$0	$0
DEREK KNEIR	STANDING BOARD MEMBER	1.00	Director	$0	$0	$0
MATTHEW DEERY	BOARD MEMEBER	5.00	Director	$0	$0	$0
MIKE GRAHAM	STANDING BOARD MEMBER	1.00	Director	$0	$0	$0
JOSEF WEGELE	CHAIRMAN OF THE BOARD	5.00	Officer	$0	$0	$0
HOLLY SCHMIDT	TREASURER	5.00	Officer	$0	$0	$0
RANDY BACHMAN	PAST CHAIR	1.00	Officer	$0	$0	$0
TARAH BEYER	2ND VICE CHAIR	1.00	Officer	$0	$0	$0
SONYA FOX	SECRETARY	5.00	Officer	$0	$0	$0
CYNTHIA BENNETT	1ST VICE CHAIR	2.00	Officer	$0	$0	$0
LAURIE LEVINE	PRESIDENT AND CEO	40.00	Key Emp	$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	No data	No data	No data	No data
2023	$207,868	$198,514	$81,113	$9,354
2022	$209,583	$190,264	$75,051	$19,319

COTTAGE GROVE AREA CHAMBER OF COMMERCE