ST CHARLES CHAMBER OF COMMERCE (EIN 430620157) - 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

1939

Legal Domicile

Principal Officer

SCOTT D TATE

Phone

6369460633

Tax Period

2023-01-01 to 2023-12-31

ST CHARLES CHAMBER OF COMMERCE, founded in 1939, is a small nonprofit that reported $699K in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. The organization ran a surplus of $117K, a strong 17% operating margin.

Mission

WE ADVOCATE FOR OUR BUSINESS COMMUNITY BY DEVELOPING OPPORTUNITIES AND PARTNERSHIPS THAT STRENGTHEN THE ECONOMIC PROSPERITY AND SUSTAINABILITY OF OUR REGION.

🔒

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 (2023)

Revenue Breakdown

Contributions & Grants $316,541

Program Service Revenue $245,209

Investment Income $50,258

Other Revenue $86,622

TOTAL REVENUE $698,630

Expense Breakdown

Grants Paid $0

Salaries & Benefits $295,481

Fundraising Expenses $0

Program Expenses $149,729

Other Expenses $286,525

TOTAL EXPENSES $582,006

Year-over-Year Comparison

	2023	2022	Change
Revenue	$698,630	$629,304	+0.1%
Expenses	$582,006	$557,811	+0.0%
Net Income	$116,624	$71,493	+0.6%

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

Employees

Volunteers

100

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

$100,097

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOE SCHNEIDER	CHAIRMAN OF THE BOARD	2.00	Officer Director	$0	$0	$0
JOHN DAWSON	CHAIRMAN-ELECT	2.00	Officer Director	$0	$0	$0
KATHERINE FLETT	TREASURER	2.00	Officer Director	$0	$0	$0
NATHAN GOFF	SECRETARY	2.00	Officer Director	$0	$0	$0
SARAH BOTTS	IMMEDIATE PAST CHAIR	2.00	Officer Director	$0	$0	$0
JULIE BARTCH	BOARD MEMBER	1.00	Director	$0	$0	$0
BILL BRINK	BOARD MEMBER	1.00	Director	$0	$0	$0
MATTHEW BYNUM	BOARD MEMBER	1.00	Director	$0	$0	$0
MOLLY DEMPSEY	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN DEVANEY	BOARD MEMBER	1.00	Director	$0	$0	$0
JEREMIAN ESSMYER	BOARD MEMBER	1.00	Director	$0	$0	$0
PATRICIA FRANK	BOARD MEMBER	1.00	Director	$0	$0	$0
JOHN HAAKE	BOARD MEMBER	1.00	Director	$0	$0	$0
SEAN JOHNSON	BOARD MEMBER	1.00	Director	$0	$0	$0
JEFF MARSHALL	BOARD MEMBER	1.00	Director	$0	$0	$0
BRUCE SOWATSKY	BOARD MEMBER	1.00	Director	$0	$0	$0
JOMO CASTRO	BOARD MEMBER	1.00	Director	$0	$0	$0
CATHY PRATT	EX-OFFICO	1.00	Director	$0	$0	$0
DAN BORGMEYER	EX-OFFICO	1.00	Director	$0	$0	$0
JOHN GREIFZU	EX-OFFICO	1.00	Director	$0	$0	$0
SCOTT TATE	PRESIDENT & CEO	40.00	Officer	$90,810	$9,287	$100,097

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	No data	No data	No data	No data
2023	$698,630	$582,006	$1,267,092	$116,624
2022	$629,304	$557,811	$1,074,685	$71,493
2021	$633,088	$513,943	$1,035,578	$119,145
2020	$516,436	$477,719	$881,371	$38,717
2019	$671,747	$529,247	$846,185	$142,500
2018	$568,355	$513,487	$686,979	$54,868

ST CHARLES CHAMBER OF COMMERCE