Affton-Lemay Chamber of Commerce (EIN 431045048) - 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

1947

Legal Domicile

Phone

3146313100

Tax Period

2025-01-01 to 2025-12-31

Affton-Lemay Chamber of Commerce, founded in 1947, is a small nonprofit that reported $173K in total revenue in fiscal year 2025. Expenses of $168K left a modest 3% surplus.

Mission

The Affton-Lemay Chamber of Commerce exists to serve businesses, enhance the community, and stimulate economic development in the Affton-Lemay area.

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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 $77,638

Program Service Revenue $26,616

Investment Income $2,615

Other Revenue $66,400

TOTAL REVENUE $173,269

Expense Breakdown

Grants Paid $8,214

Salaries & Benefits $94,450

Fundraising Expenses $0

Program Expenses $32,121

Other Expenses $65,234

TOTAL EXPENSES $167,898

Year-over-Year Comparison

	2025	2024	Change
Revenue	$173,269	$178,889	0.0%
Expenses	$167,898	$160,484	+0.0%
Net Income	$5,371	$18,405	-0.7%

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

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

$47,986

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lisa Rackley	Executive Director	35.00	Officer	$47,986	$0	$47,986
Eve Brandes	Vice President	1.00	Officer Director	$0	$0	$0
Amira Jahic	President-Elect	1.00	Officer Director	$0	$0	$0
Michael Butz	President	2.00	Officer Director	$0	$0	$0
Alex Knebel	Treasurer	1.00	Officer Director	$0	$0	$0
Debbie Rohrich-Tyler	Secretary	1.00	Officer Director	$0	$0	$0
Mike Bamvakais	Director	1.00	Director	$0	$0	$0
Kevin Carl	Director	1.00	Director	$0	$0	$0
Greg Hayden	Director	1.00	Director	$0	$0	$0
David Eschbach	Director	1.00	Director	$0	$0	$0
Gerard Schmidt	Director	1.00	Director	$0	$0	$0
Amanda Willis	Director	1.00	Director	$0	$0	$0
Kimberly Young	Director	1.00	Director	$0	$0	$0
Travis Bracht	Director	1.00	Director	$0	$0	$0
Tara Brooks	Director	1.00	Director	$0	$0	$0
Sarah Capri	Director	1.00	Director	$0	$0	$0
Stefani Hoeing	Director	1.00	Director	$0	$0	$0
Connie Pesek	Director	1.00	Director	$0	$0	$0
Jennifer Galcznski	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	$173,269	$167,898	$238,841	$5,371
2024	$178,889	$160,484	$225,566	$18,405

Affton-Lemay Chamber of Commerce