DUBUQUE AREA CHAMBER OF COMMERCE (EIN 420223700) - 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

1916

Legal Domicile

Principal Officer

MOLLY GROVER

Phone

5635779200

Tax Period

2024-07-01 to 2025-06-30

DUBUQUE AREA CHAMBER OF COMMERCE, founded in 1916, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2024. Revenue fell 36% from the prior year — a significant decline worth monitoring. Expenses of $1.1M exceeded revenue, resulting in a 13% operating deficit.

Mission

TO SERVE, PROMOTE AND PROTECT OUR MEMBERS AND THE GREATER GOOD OF THE BUSINESS COMMUNITY MAKING DUBUQUE THE BEST PLACE TO LIVE, WORK, PLAY AND DO BUSINESS.

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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 $57,005

Program Service Revenue $850,328

Investment Income $19,300

Other Revenue $74,278

TOTAL REVENUE $1,000,911

Expense Breakdown

Grants Paid $0

Salaries & Benefits $565,989

Fundraising Expenses $0

Other Expenses $565,961

TOTAL EXPENSES $1,131,950

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,000,911	$1,555,835	-0.4%
Expenses	$1,131,950	$1,570,040	-0.3%
Net Income	$-131,039	$-14,205	+8.2%

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

175

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

$229,277

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ALANDA GREGORY	BOARD MEMBER	1.00	Director	$0	$0	$0
KAY TAKES LEFT FY 25	PAST CHAIR	N/A	Officer Director	$0	$0	$0
DREW TOWNSEND	EXECUTIVE CO	1.00	Director	$0	$0	$0
LEO HICKIE LEFT FY 25	BOARD MEMBER	N/A	Director	$0	$0	$0
TARA DUGGAN	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE FITZPATRICK	BOARD MEMBER	1.00	Director	$0	$0	$0
MIKE FORTMAN	IMMEDIATE PA	1.00	Officer Director	$0	$0	$0
NICOLE SUTTON	BOARD MEMBER	1.00	Director	$0	$0	$0
JENNIFER HAVENS	BOARD MEMBER	1.00	Director	$0	$0	$0
BRIAN RAKESTRAW	1ST VICE CHA	1.00	Officer Director	$0	$0	$0
KATIE THOMAS	TREASURER	1.00	Officer Director	$0	$0	$0
WENDY RUNDE	BOARD MEMBER	1.00	Director	$0	$0	$0
STEVE DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
TONYA TRUMM	BOARD MEMBER	1.00	Director	$0	$0	$0
CHAD WOLBERS	CHAIR	1.00	Officer Director	$0	$0	$0
JACK MESCHER	BOARD MEMBER	1.00	Director	$0	$0	$0
ALEJANDRO FERNANDEZ	2ND VICE CHA	1.00	Officer Director	$0	$0	$0
BECKY CONLON	EXECUTIVE CO	1.00	Director	$0	$0	$0
BRAD CAVANAGH	BOARD MEMBER	1.00	Director	$0	$0	$0
CHERYL SYKE	BOARD MEMBER	1.00	Director	$0	$0	$0
DAVE DAVIS	BOARD MEMBER	1.00	Director	$0	$0	$0
HARLEY POTHOFF	BOARD MEMBER	1.00	Director	$0	$0	$0
LISA WITTMAN	BOARD MEMBER	1.00	Director	$0	$0	$0
TODD DALSING	BOARD MEMBER	1.00	Director	$0	$0	$0
MOLLY GROVER	PRESIDENT &	40.00	Officer	$159,372	$18,467	$177,839
KURT KIEFFER	VP OF FINANC	40.00	Officer	$47,000	$4,438	$51,438
PAUL KRONLAGE JOINED FY 25	BOARD MEMBER	1.00	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
2025	$1,000,911	$1,131,950	$1,046,418	$-131,039
2024	$1,555,835	$1,570,040	$1,218,334	$-14,205
2023	$1,034,896	$1,070,844	$1,255,387	$-35,948
2022	$923,336	$905,100	$1,220,134	$18,236
2021	$899,269	$781,024	$1,216,431	$118,245
2020	$930,889	$892,156	$1,086,566	$38,733
2019	$981,341	$936,515	$1,080,174	$44,826

DUBUQUE AREA CHAMBER OF COMMERCE