MAPLE RIVER CHAMBER OF COMMERCE INC

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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

1990

Legal Domicile

Principal Officer

MARISSA PFEFFER

Phone

5075244642

Tax Period

2024-01-01 to 2024-12-31

MAPLE RIVER CHAMBER OF COMMERCE INC, founded in 1990, is a micro nonprofit in the Community Improvement sector that reported $12K in total revenue in fiscal year 2024. Revenue fell 52% from the prior year — a significant decline worth monitoring. Expenses of $16K exceeded revenue, resulting in a 36% operating deficit.

Mission

TO ADVANCE THE GENERAL WELFARE AND PROSPERITY OF MAPLE RIVER COMMUNITIES AREA SO THAT IT'S CITIZENS AND ALL ARES OF IT'S BUSINESS COMMUNITY SHALL PROSPER.

Program Service Accomplishments

Program 1

Expenses: $6,741

THE CHAMBER OF COMMERCE HELPS TO ADVANCE THE GENERAL WELFARE AND PROSPERITY OF THE MAPLE RIVER COMMUNITIES.

Program 2

LAWFUL PURPOSE DONATIONS TO HELP THE LOCAL COMMUNITY AND SURROUNDING NON-PROFITS OF 107,036. REPORTED ON SCHEDULE G.

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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 $11,072

Program Service Revenue $0

Investment Income $5

Other Revenue $667

TOTAL REVENUE $11,744

Expense Breakdown

Grants Paid $0

Salaries & Benefits $5,294

Fundraising Expenses $0

Program Expenses $6,741

Other Expenses $10,732

TOTAL EXPENSES $16,026

Year-over-Year Comparison

	2024	2023	Change
Revenue	$11,744	$24,430	-0.5%
Expenses	$16,026	$19,492	-0.2%
Net Income	$-4,282	$4,938	-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

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

$2,216

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARISSA PFEFFER	PRESIDENT FO	2.00	Officer	$0	$0	$0
JOE HASSLER	PRESIDENT FO	2.00	Officer	$0	$0	$0
JODI KUNKEL	VICE PRESIDE	1.00	Officer	$0	$0	$0
KAREN LANGWORTHY	TREASURER	1.00	Officer	$0	$0	$0
MARCIE HANSON	CEO	10.00	Officer	$0	$0	$0
CAILEA MARTIN	COORDINATOR	5.00	Director	$2,216	$0	$2,216
RITA CARON	BOARD MEMBER	1.00	Director	$0	$0	$0
TAMMY SCHMIDT	BOARD MEMBER	1.00	Director	$0	$0	$0
TOM BOECK	BOARD MEMBER	1.00	Director	$0	$0	$0
JODI KUNKEL	GAMBLING MAN	10.00	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	$11,744	$16,026	$55,073	$-4,282
2023	$24,430	$19,492	$59,138	$4,938
2022	$16,909	$15,687	$54,159	$1,222
2021	$137,133	$125,654	$52,428	$11,479
2020	$59,448	$55,044	$41,025	$4,404
2019	$70,846	$61,501	$40,569	$9,345