ESTHERVILLE AREA CHAMBER OF COMMERCE (EIN 420237290) - Form 990 Financial Analysis & Trantor Score

🔒

Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

Sign in with your work email to view Tuckman-Chang indicators

Financial Trends

Organization Details

Formation Year

1997

Legal Domicile

Phone

7123623541

Tax Period

2024-01-01 to 2024-12-31

ESTHERVILLE AREA CHAMBER OF COMMERCE, founded in 1997, is a small nonprofit that reported $197K in total revenue in fiscal year 2024. Revenue surged 46% from the prior year, signaling strong growth momentum. Expenses of $168K left a modest 15% surplus.

Mission

ORGANIZE, SPONSOR AND OVERSEE COMMUNITY EVENTS

🔒

Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

Sign in to view Trantor Score and financial metrics

Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $72,518

Investment Income $8,413

Other Revenue $115,771

TOTAL REVENUE $196,702

Expense Breakdown

Grants Paid $0

Salaries & Benefits $159,556

Fundraising Expenses $0

Program Expenses $231,293

Other Expenses $8,502

TOTAL EXPENSES $168,058

Year-over-Year Comparison

	2024	2023	Change
Revenue	$196,702	$134,653	+0.5%
Expenses	$168,058	$153,562	+0.1%
Net Income	$28,644	$-18,909	-2.5%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required

🔒

Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

Sign in to view all financial metrics

Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LEXIE RUTER	EXECUTIVE DIR	40.00		$84,744	$0	$84,744
SUSAN PYTLESKI	ASST TO EXEC DIR	40.00		$53,805	$0	$53,805
JENNIFER GLANDT	ASSISTANT	10.00		$5,891	$0	$5,891
DEB HERZBERG	Director	5.00	Director	$0	$0	$0
ANDREW SPURGIN	Director	5.00	Director	$0	$0	$0
CODY NEWGARD	Director	5.00	Director	$0	$0	$0
KIMBERLY STEFFES	Director	5.00	Director	$0	$0	$0
JAMES ROSENDAHL	Treasurer	5.00	Officer	$0	$0	$0
MIKE KARELS	Vice President	5.00	Officer	$0	$0	$0
JASON BENDIXEN	Chairman	5.00	Officer	$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	$196,702	$168,058	$415,393	$28,644
2023	$134,653	$153,562	$386,264	$-18,909
2022	$116,622	$113,616	$403,515	$3,006
2021	$107,114	$103,356	$399,546	$3,758
2020	$90,970	$98,146	$395,652	$-7,176
2019	$104,118	$94,503	$402,639	$9,615
2018	$92,697	$91,973	$393,006	$724

ESTHERVILLE AREA CHAMBER OF COMMERCE