MASON CITY CHAMBER OF COMMERCE (EIN 420398820) - 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

1937

Legal Domicile

Principal Officer

COLLEEN FREIN

Phone

6414235724

Tax Period

2024-10-01 to 2025-09-30

MASON CITY CHAMBER OF COMMERCE, founded in 1937, is a small nonprofit that reported $790K in total revenue in fiscal year 2024. Revenue grew 19% year-over-year, indicating healthy expansion.

Mission

TO PROMOTE PROGRESSIVE COMMUNITY AND ECONOMIC DEVELOPMENT TO BENEFIT CHAMBER MEMBERS AND THE NORTH IOWA REGION.

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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 $120,369

Program Service Revenue $613,556

Investment Income $16,389

Other Revenue $39,913

TOTAL REVENUE $790,227

Expense Breakdown

Grants Paid $0

Salaries & Benefits $451,190

Fundraising Expenses $0

Other Expenses $359,243

TOTAL EXPENSES $810,433

Year-over-Year Comparison

	2024	2023	Change
Revenue	$790,227	$664,453	+0.2%
Expenses	$810,433	$653,110	+0.2%
Net Income	$-20,206	$11,343	-2.8%

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

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

$140,274

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
COLLEEN FREIN	PRESIDENT &	40.00	Officer	$125,193	$15,081	$140,274
PAMELA LAMPMAN	CHAIR ELECT	N/A	Officer Director	$0	$0	$0
MATT BRADLEY	DIRECTOR	N/A	Director	$0	$0	$0
DANIELLE PACE	CHAIRPERSON	N/A	Officer Director	$0	$0	$0
TROY ELWOOD	DIRECTOR	N/A	Director	$0	$0	$0
BROOKE PETERS	DIRECTOR	N/A	Director	$0	$0	$0
TYLER HEDEGARD	DIRECTOR	N/A	Director	$0	$0	$0
JOSH CONGELLO	DIRECTOR	N/A	Director	$0	$0	$0
BOB FISHER	DIRECTOR	N/A	Director	$0	$0	$0
DR PAUL MANTERNACH	PAST CHAIR	N/A	Director	$0	$0	$0
MATT LEIBRAND	TREASURER	N/A	Officer Director	$0	$0	$0
DR DAN GARMAN	DIRECTOR	N/A	Director	$0	$0	$0
MOLLY RAULIE	DIRECTOR	N/A	Director	$0	$0	$0
LUKE WEISS	DIRECTOR	N/A	Director	$0	$0	$0
JANET JOHNSON	DIRECTOR	N/A	Director	$0	$0	$0
KATHY LLOYD	DIRECTOR	N/A	Director	$0	$0	$0
MATT CURTIS	DIRECTOR	N/A	Director	$0	$0	$0
DR MICHELLE LACOSTE	DIRECTOR	N/A	Director	$0	$0	$0
CATARINO MARTINEZ	DIRECTOR	N/A	Director	$0	$0	$0
KEVIN MEYER	DIRECTOR	N/A	Director	$0	$0	$0
JASON PIKE	DIRECTOR	N/A	Director	$0	$0	$0
JENN POPE	DIRECTOR	N/A	Director	$0	$0	$0
JESSICA SUTCLIFFE	DIRECTOR	N/A	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	$790,227	$810,433	$1,430,966	$-20,206
2024	$782,662	$762,795	$1,515,855	$19,867
2023	$664,453	$653,110	$1,477,392	$11,343
2022	$850,046	$872,574	$1,471,797	$-22,528
2021	$719,537	$698,452	$1,505,620	$21,085
2020	$619,986	$717,182	$1,466,201	$-97,196
2019	$612,548	$700,457	$1,593,431	$-87,909
2018	$624,320	$678,896	$1,667,958	$-54,576

MASON CITY CHAMBER OF COMMERCE