ALBIA CHAMBER MAIN STREET (EIN 420656888) - 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

1948

Legal Domicile

Principal Officer

LAURA TENO

Phone

6419325108

Tax Period

2025-01-01 to 2025-12-31

ALBIA CHAMBER MAIN STREET, founded in 1948, is a small nonprofit that reported $177K in total revenue in fiscal year 2025. Revenue decreased 10% compared to the prior year. The organization ran a surplus of $31K, a strong 17% operating margin.

Mission

TO REVITALIZE THE DOWNTOWN DISTRICT THROUGH A FOCUS ON EDUCATION, SMALL BUSINESS VITALITY, BUILDING INVESTMENT GROUNDED IN HISTORIC PRESERVATION, AND VOLUNTEER-DRIVEN COMMUNITY ACTIVITIES THAT STIMULATE THE ALBIA AREA TO THRIVE.

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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 (2025)

Revenue Breakdown

Contributions & Grants $123,713

Program Service Revenue $47,383

Investment Income $300

Other Revenue $5,179

TOTAL REVENUE $176,575

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $63,827

Fundraising Expenses $0

Other Expenses $80,218

TOTAL EXPENSES $146,045

Year-over-Year Comparison

	2025	2024	Change
Revenue	$176,575	$196,011	-0.1%
Expenses	$146,045	$376,996	-0.6%
Net Income	$30,530	$-180,985	-1.2%

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

200

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

$54,200

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RANDALL AESCHLIMAN	PRESIDENT	1.00	Officer Director	$0	$0	$0
MAGGIE JUDGE	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
ASHLEY CROSSER	TREASURER	1.00	Officer Director	$0	$0	$0
ANNA SEE	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHN COSBY	DIRECTOR	1.00	Director	$0	$0	$0
AUDREY ROCKWELL	DIRECTOR	1.00	Director	$0	$0	$0
MICHELLE VAN POLEN	DIRECTOR	1.00	Director	$0	$0	$0
LINDA HELLER	DIRECTOR	1.00	Director	$0	$0	$0
SHELBY BATES	DIRECTOR	1.00	Director	$0	$0	$0
SYDNEY BALLARD	DIRECTOR	1.00	Director	$0	$0	$0
LAURA TENO	EXECUTIVE DI	40.00	Officer	$54,200	$0	$54,200

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	$176,575	$146,045	$289,201	$30,530
2024	No data	No data	No data	No data
2023	$286,849	$145,571	$411,539	$141,278
2022	$185,019	$171,353	$272,946	$13,666

ALBIA CHAMBER MAIN STREET