WEST ST LOUIS COUNTY CHAMBER OF COMMERCE (EIN 431045617) - 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

1957

Legal Domicile

Principal Officer

LORI KELLING

Phone

6362309900

Tax Period

2023-01-01 to 2023-12-31

WEST ST LOUIS COUNTY CHAMBER OF COMMERCE, founded in 1957, is a small nonprofit that reported $336K in total revenue in fiscal year 2023. Revenue decreased 6% compared to the prior year. Expenses of $311K left a modest 7% surplus.

Mission

TO PROMOTE THE GROWTH AND EXPANSION OF COMMERCE IN THE WEST ST. LOUIS COUNTY 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 (2023)

Revenue Breakdown

Contributions & Grants $1,800

Program Service Revenue $303,355

Investment Income $1,574

Other Revenue $29,445

TOTAL REVENUE $336,174

Expense Breakdown

Grants Paid $0

Salaries & Benefits $149,172

Fundraising Expenses $0

Other Expenses $161,879

TOTAL EXPENSES $311,051

Year-over-Year Comparison

	2023	2022	Change
Revenue	$336,174	$357,600	-0.1%
Expenses	$311,051	$266,693	+0.2%
Net Income	$25,123	$90,907	-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

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

$89,301

Total Directors

$89,301

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LORI KELLING	PRESIDENT	40.00	Officer Director	$86,700	$2,601	$89,301
TRICIA WHELAN	CHAIRMAN	3.00	Officer Director	$0	$0	$0
DOUG SCHAEFFLER	VC ECONOMIC DEVELOPMENT	1.00	Officer Director	$0	$0	$0
JOHN HOOVER	VC GOVT AFFAIRS	1.00	Officer Director	$0	$0	$0
COURTNEY RUDER	VC MEMBERSHIP SERVICES	1.00	Officer Director	$0	$0	$0
JASON PRIDE	TREASURER	2.00	Officer Director	$0	$0	$0
GREG BOSS	DIRECTOR	1.00	Director	$0	$0	$0
JOHN BRADLEY	DIRECTOR	1.00	Director	$0	$0	$0
ARIEL CABELLO	DIRECTOR	1.00	Director	$0	$0	$0
SANDY CHESTNAS	DIRECTOR	1.00	Director	$0	$0	$0
JILL GRAY	DIRECTOR	1.00	Director	$0	$0	$0
SPENCER MAINOUS	DIRECTOR	1.00	Director	$0	$0	$0
HELENE REIF	DIRECTOR	1.00	Director	$0	$0	$0
MARK SHERMAN	DIRECTOR	1.00	Director	$0	$0	$0
HEATHER SWAN	DIRECTOR	1.00	Director	$0	$0	$0
PEP TOBIN	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	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$336,174	$311,051	$262,511	$25,123
2022	$357,600	$266,693	$224,112	$90,907
2021	$264,911	$219,123	$194,212	$45,788
2020	$205,102	$169,886	$144,141	$35,216
2019	$228,711	$230,956	$108,050	$-2,245
2018	$214,038	$202,015	$100,589	$12,023

WEST ST LOUIS COUNTY CHAMBER OF COMMERCE