CLOQUETCARLTON COUNTY CHAMBER OF COMMERCE (EIN 416041945) - 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

2002

Legal Domicile

Principal Officer

KELLY ZINK

Phone

2188791551

Tax Period

2024-01-01 to 2024-12-31

CLOQUETCARLTON COUNTY CHAMBER OF COMMERCE, founded in 2002, is a small nonprofit that reported $197K in total revenue in fiscal year 2024.

Mission

BUSINESS PROMOTION / BETTERMENT

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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 $76,686

Program Service Revenue $74,440

Investment Income $327

Other Revenue $45,138

TOTAL REVENUE $196,591

Expense Breakdown

Grants Paid $22,945

Salaries & Benefits $148,715

Fundraising Expenses $0

Other Expenses $33,040

TOTAL EXPENSES $204,700

Year-over-Year Comparison

	2024	2023	Change
Revenue	$196,591	$186,645	+0.1%
Expenses	$204,700	$191,985	+0.1%
Net Income	$-8,109	$-5,340	+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

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

$79,325

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LARA WILKINSON	DIRECTOR	5.00	Director	$0	$0	$0
KRISTIN REINSCH	CHAIR	5.00	Director	$0	$0	$0
TOM RADOVICH	DIRECTOR	5.00	Director	$0	$0	$0
JUDD SELLAND	TREASURER	5.00	Director	$0	$0	$0
KELLY ZINK	PRESIDENT	40.00	Officer	$79,325	$0	$79,325
TYLER RYAN	DIRECTOR	5.00	Director	$0	$0	$0
MARK ROBERTS	DIRECTOR	5.00	Director	$0	$0	$0
DAVE MANDERFELD	DIRECTOR	5.00	Director	$0	$0	$0
JEN AXTELL	DIRECTOR	5.00	Director	$0	$0	$0
CYNTHIA SLATER	DIRECTOR	5.00	Director	$0	$0	$0
JOLENE LUST	DIRECTOR	5.00	Director	$0	$0	$0
JEANNIE KERMEEN	PAST CHAIR	5.00	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	$196,591	$204,700	$468,233	$-8,109
2023	$186,645	$191,985	$472,242	$-5,340
2022	$226,663	$207,707	$486,757	$18,956
2021	$240,659	$206,515	$465,869	$34,144
2020	$192,497	$215,689	$451,296	$-23,192
2019	$237,290	$233,101	$448,547	$4,189
2018	$216,871	$220,740	$445,790	$-3,869

CLOQUETCARLTON COUNTY CHAMBER OF COMMERCE