CHESTERFIELD CHAMBER OF COMMERCE (EIN 431096294) - 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

1976

Legal Domicile

Principal Officer

NORA AMATO

Phone

6365323399

Tax Period

2023-01-01 to 2023-12-31

CHESTERFIELD CHAMBER OF COMMERCE, founded in 1976, is a small nonprofit that reported $563K in total revenue in fiscal year 2023.

Mission

PROGRAMS TO PROMOTE THE BUSINESS AND ECONOMIC DEVELOPMENT OF THE COMMUNITY AND THE REGIONS SURROUNDING THE CITY OF CHESTERFIELD,MO

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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 $5,679

Program Service Revenue $432,020

Investment Income $2,903

Other Revenue $122,359

TOTAL REVENUE $562,961

Expense Breakdown

Grants Paid $6,000

Salaries & Benefits $277,511

Fundraising Expenses $0

Other Expenses $264,110

TOTAL EXPENSES $547,621

Year-over-Year Comparison

	2023	2022	Change
Revenue	$562,961	$526,720	+0.1%
Expenses	$547,621	$515,208	+0.1%
Net Income	$15,340	$11,512	+0.3%

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

150

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

$126,491

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NORA AMATO	PRESIDENT &	55.00	Officer	$126,491	$0	$126,491
TONY WHITE	DIRECTOR	N/A	Director	$0	$0	$0
HALINA CONTI	CHAIRMAN	N/A	Officer Director	$0	$0	$0
MATT KASTEN	FUND RAISING	N/A	Officer Director	$0	$0	$0
LANCE ELKIN	TREASURER	N/A	Officer Director	$0	$0	$0
KEITH BLAYDEN	CHAIR ELECT	N/A	Officer Director	$0	$0	$0
JARED LONG	DIRECTOR	N/A	Director	$0	$0	$0
BRUCE SHERIDAN	DIRECTOR	N/A	Director	$0	$0	$0
JIM MOSQUERA	SECRETARY	N/A	Officer Director	$0	$0	$0
BRIAN MONCEY	DIRECTOR	N/A	Director	$0	$0	$0
NICOLE THOUSAND	DIRECTOR	N/A	Director	$0	$0	$0
LISA GRAF	DIRECTOR	N/A	Director	$0	$0	$0
SHARON HUBER	BUSINESS DEV	N/A	Officer Director	$0	$0	$0
DEBBIE REID	DIRECTOR	N/A	Director	$0	$0	$0
NINA CALDWELL	DIRECTOR	N/A	Director	$0	$0	$0
MEGAN DONOVAN	DIRECTOR	N/A	Director	$0	$0	$0
REGGIE GRANT	DIRECTOR	N/A	Director	$0	$0	$0
HOLLY PERRYMAN	DIRECTOR	N/A	Director	$0	$0	$0
STAN ANDERSON	DIRECTOR	N/A	Director	$0	$0	$0
SEBASTIAN JENNINGS	DIRECTOR	N/A	Director	$0	$0	$0
REBECCA JAMES	DIRECTOR	N/A	Director	$0	$0	$0
MARK KLIPSCH	DIRECTOR	N/A	Director	$0	$0	$0
ERIC WEBB	DIRECTOR	N/A	Director	$0	$0	$0
JASON BRAME	DIRECTOR	N/A	Director	$0	$0	$0
PAUL NEELY	DIRECTOR	N/A	Director	$0	$0	$0
CYNTHIA SUTTON	DIRECTOR	N/A	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
2024	No data	No data	No data	No data
2023	$562,961	$547,621	$216,446	$15,340
2022	$526,720	$515,208	$239,139	$11,512
2021	$504,221	$491,853	$188,987	$12,368
2020	$464,860	$520,267	$179,913	$-55,407
2019	$481,717	$460,620	$231,789	$21,097
2018	$445,692	$474,149	$215,169	$-28,457

CHESTERFIELD CHAMBER OF COMMERCE