OTTUMWA AREA CHAMBER OF COMMERCE (EIN 420452840) - 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

1963

Legal Domicile

Principal Officer

MARC ROE

Phone

6416823465

Tax Period

2024-07-01 to 2025-06-30

OTTUMWA AREA CHAMBER OF COMMERCE, founded in 1963, is a small nonprofit that reported $421K in total revenue in fiscal year 2024. Expenses of $557K exceeded revenue, resulting in a 32% operating deficit.

Mission

PROMOTION OF CIVIC AND BUSINESS ACTIVITIES

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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 $313,983

Program Service Revenue $0

Investment Income $8,899

Other Revenue $97,697

TOTAL REVENUE $420,579

Expense Breakdown

Grants Paid $0

Salaries & Benefits $348,450

Fundraising Expenses $19,005

Other Expenses $208,386

TOTAL EXPENSES $556,836

Year-over-Year Comparison

	2024	2023	Change
Revenue	$420,579	$404,552	+0.0%
Expenses	$556,836	$540,281	+0.0%
Net Income	$-136,257	$-135,729	+0.0%

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

$132,840

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARC ROE	EXECUTIVE DI	40.00	Officer	$132,840	$0	$132,840
ZENNA BOYD	TREASURER	1.00	Officer Director	$0	$0	$0
JILL BUDDE	DIRECTOR	1.00	Director	$0	$0	$0
RUTH GARZA	DIRECTOR	1.00	Director	$0	$0	$0
KELLY GENNERS	PRESIDENT	1.00	Officer Director	$0	$0	$0
AJ GEVOCK	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
JESSICA KENDRICK	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL MCGRORY	DIRECTOR	1.00	Director	$0	$0	$0
SUZIE MORRISON	DIRECTOR	1.00	Director	$0	$0	$0
EDDIE PIERSON	DIRECTOR	1.00	Director	$0	$0	$0
PHIL RATH	SECRETARY	1.00	Officer Director	$0	$0	$0
DAN ROBERTS	DIRECTOR	1.00	Director	$0	$0	$0
DAVID WILL	DIRECTOR	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	$420,579	$556,836	$916,836	$-136,257
2024	No data	No data	No data	No data
2023	$387,906	$481,512	$974,363	$-93,606
2022	$868,971	$883,268	$996,893	$-14,297
2021	$1,144,943	$1,099,046	$1,255,767	$45,897
2020	No data	No data	$112,835	No data
2019	$204,757	$259,332	$254,491	$-54,575
2018	$177,758	$258,246	$278,682	$-80,488

OTTUMWA AREA CHAMBER OF COMMERCE