LAKE AREA CHAMBER OF COMMERCE (EIN 431356331) - 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

1963

Legal Domicile

Principal Officer

BRIAN GAGNON

Phone

5739641008

Tax Period

2024-01-01 to 2024-12-31

LAKE AREA CHAMBER OF COMMERCE, founded in 1963, is a small nonprofit that reported $271K in total revenue in fiscal year 2024. The organization ran a surplus of $50K, a strong 19% operating margin.

Mission

PROMOTOTE AND IMPROVE THE ECONOMIC AND COMMUNITY PROSPERITY IN THE LAKE OF THE OZARKS AREA THROUGH MUTUALLY BENEFICIAL RELATIONSHIPS ALL WHILE PROVIDING SERVICES TO AND ADVOCATING FOR BUSINESS.

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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 (2024)

Revenue Breakdown

Contributions & Grants $151,417

Program Service Revenue $30,737

Investment Income $9,469

Other Revenue $79,742

TOTAL REVENUE $271,365

Expense Breakdown

Grants Paid $5,000

Salaries & Benefits $140,918

Fundraising Expenses $0

Program Expenses $142,210

Other Expenses $75,099

TOTAL EXPENSES $221,017

Year-over-Year Comparison

	2024	2023	Change
Revenue	$271,365	$269,104	+0.0%
Expenses	$221,017	$256,548	-0.1%
Net Income	$50,348	$12,556	+3.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
COLE BRADBURY	PAST PRESIDE	5.00	Officer Director	$0	$0	$0
STEPHANIE DEHNER	BOARD REP.	5.00	Director	$0	$0	$0
CASSIDY DICKERSON	BOARD REP.	5.00	Director	$0	$0	$0
HEATHER DISSEN	BOARD REP.	5.00	Director	$0	$0	$0
BRIAN GAGNON	PRESIDENT	5.00	Officer Director	$0	$0	$0
CIERRA GREIN	BOARD REP.	5.00	Director	$0	$0	$0
LUKE HAGEDORN	TREASURER	5.00	Officer Director	$0	$0	$0
NICK KRUSE	BOARD REP.	5.00	Director	$0	$0	$0
MICHAEL LASSON	BOARD REP.	5.00	Director	$0	$0	$0
LAURA NELSON	SECRETARY	5.00	Officer Director	$0	$0	$0
TONY OTTO	VICE PRESIDE	5.00	Officer Director	$0	$0	$0
COREY ROBERTS	BOARD REP.	5.00	Director	$0	$0	$0
ANGIE SCHUSTER	BOARD REP.	5.00	Director	$0	$0	$0
MICHAEL SNYDER	BOARD REP.	5.00	Director	$0	$0	$0
MONICA SPIER	BOARD REP.	5.00	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	$271,365	$221,017	$322,056	$50,348
2023	$269,104	$256,548	$274,406	$12,556
2022	$241,519	$242,113	$262,282	$-594
2021	$244,062	$183,358	$258,638	$60,704
2020	$227,905	$199,854	$201,587	$28,051
2019	$247,066	$201,770	$171,866	$45,296
2018	$224,084	$201,093	$126,640	$22,991

LAKE AREA CHAMBER OF COMMERCE