MARYLAND HEIGHTS CHAMBER OF COMMERCE (EIN 431129422) - 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

SHERRY HUIBONHOA

Phone

3149422110

Tax Period

2025-01-01 to 2025-12-31

MARYLAND HEIGHTS CHAMBER OF COMMERCE, founded in 1976, is a small nonprofit that reported $291K in total revenue in fiscal year 2025.

Mission

THE CHAMBER IS ORGANIZED TO ADVANCE THE GENERAL WELFARE AND PROSPERITY OF THE AREA AND OF ITS MEMBERS.

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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 $116,658

Program Service Revenue $26,148

Investment Income $431

Other Revenue $148,181

TOTAL REVENUE $291,418

Expense Breakdown

Grants Paid $0

Salaries & Benefits $184,297

Fundraising Expenses $0

Program Expenses $4,999

Other Expenses $117,661

TOTAL EXPENSES $301,958

Year-over-Year Comparison

	2025	2024	Change
Revenue	$291,418	$289,831	+0.0%
Expenses	$301,958	$267,588	+0.1%
Net Income	$-10,540	$22,243	-1.5%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARA ROBERTS	CHAIRPERSON	002.00	Director	$0	$0	$0
DENISE WEBB	TREASURER	002.00	Director	$0	$0	$0
ALEX GIBBS	VICE CHAIR	002.00	Director	$0	$0	$0
DEBBIE LOFTUS	SECRETARY	002.00	Director	$0	$0	$0
DAVID MORRIS	VICE CHAIR	002.00	Director	$0	$0	$0
MIKE JAMES	VICE CHAIR	002.00	Director	$0	$0	$0
MIKE JERLECKI	VICE CHAIR	002.00	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	$291,418	$301,958	$172,323	$-10,540
2024	No data	No data	No data	No data
2023	$299,533	$243,941	$186,645	$55,592
2022	$236,952	$238,749	$138,832	$-1,797
2021	$223,008	$221,806	$147,691	$1,202
2020	$179,403	$174,166	$117,465	$5,237
2019	$230,992	$219,051	$119,146	$11,941
2018	$219,410	$214,696	$99,162	$4,714

MARYLAND HEIGHTS CHAMBER OF COMMERCE