BONNE TERRE CHAMBER OF COMMERCE (EIN 431113283) - 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

1939

Legal Domicile

Principal Officer

MATT CRABTREE

Phone

5733584000

Tax Period

2023-07-01 to 2024-06-30

BONNE TERRE CHAMBER OF COMMERCE, founded in 1939, is a small nonprofit that reported $430K in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $93K, a strong 22% operating margin.

Mission

TO PROMOTE ECONOMIC DEVELOPMENT IN THE LOCAL COMMUNITY.

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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 $63,308

Program Service Revenue $328,505

Investment Income $9,482

Other Revenue $28,313

TOTAL REVENUE $429,608

Expense Breakdown

Grants Paid $0

Salaries & Benefits $201,220

Fundraising Expenses $0

Other Expenses $135,705

TOTAL EXPENSES $336,925

Year-over-Year Comparison

	2023	2022	Change
Revenue	$429,608	$388,901	+0.1%
Expenses	$336,925	$338,553	0.0%
Net Income	$92,683	$50,348	+0.8%

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

$12,846

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MATT CRABTREE	EXECUTIVE DI	20.00	Officer	$12,846	$0	$12,846
RUTH ADAMS	TREASURER	1.00	Officer Director	$0	$0	$0
JOSH BLACK	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN BOYER	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
DONYEL BURNS	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT GRIFFIN	DIRECTOR	1.00	Director	$0	$0	$0
HOLLI LEADBETTER	DIRECTOR	1.00	Director	$0	$0	$0
TAYLOR LUMSDEN	PAST PRESIDE	1.00	Officer Director	$0	$0	$0
SHAE MARLER	DIRECTOR	1.00	Director	$0	$0	$0
SAMANTHA MCDOWELL	DIRECTOR	1.00	Director	$0	$0	$0
LARRY RAWSON	PRESIDENT	2.00	Officer 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	$429,608	$336,925	$677,945	$92,683
2023	$388,901	$338,553	$583,990	$50,348
2022	$372,781	$298,138	$533,278	$74,643
2021	$440,832	$306,668	$464,473	$134,164
2020	$323,212	$213,490	$346,982	$109,722
2019	$188,350	$187,380	$320,387	$970

BONNE TERRE CHAMBER OF COMMERCE