ST JOSEPH AREA CHAMBER OF COMMERCE

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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

1862

Legal Domicile

Phone

8163644111

Tax Period

2023-01-01 to 2023-12-31

ST JOSEPH AREA CHAMBER OF COMMERCE, founded in 1862, is a community nonprofit that reported $2.8M in total revenue in fiscal year 2023. Revenue surged 40% from the prior year, signaling strong growth momentum. Expenses of $2.5M left a modest 11% surplus.

Mission

TO SERVE AS A CATALYST FOR ECONOMIC GROWN AND DEVELOPMENT IN NORTHWEST MISSOURI

Program Service Accomplishments

Program 1

Expenses: $964,287

ECONOMIC DEVELOPMENT PROGRAMS INCLUDING BUSINESS RETENTION, RECRUITMENT AND JOB DEVELOPMENT

Program 2

Expenses: $761,594

MEMBERSHIP SERVICES INCLUDING ASSISTANCE TO NEW AND EXISTING BUSINESSESS.

Program 3

Expenses: $283,336

COMMUNITY DEVELOPMENT ACTIVITIES INCLUDING COOPERATION WITH THE CITY OF ST JOSEPH AND BUCHANAN COUNTY

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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 $1,261,687

Program Service Revenue $1,241,064

Investment Income $255,615

Other Revenue $14,800

TOTAL REVENUE $2,773,166

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,164,827

Fundraising Expenses $272,631

Program Expenses $2,009,217

Other Expenses $1,302,035

TOTAL EXPENSES $2,466,862

Year-over-Year Comparison

	2023	2022	Change
Revenue	$2,773,166	$1,976,740	+0.4%
Expenses	$2,466,862	$2,285,648	+0.1%
Net Income	$306,304	$-308,908	-2.0%

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

N/A

Volunteers

300

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

$209,485

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
NATALIE HAWN	President & CEO	40.00	Officer	$191,560	$17,925	$209,485
AMY RYAN	Director	2.00	Director	$0	$0	$0
JODY CARLSON	Director	2.00	Director	$0	$0	$0
KEVIN KELLY	VICE CHAIR GOVE	2.00	Director	$0	$0	$0
RALL BRADLEY	Director	2.00	Director	$0	$0	$0
COL JOHN CLUCK	Director	2.00	Director	$0	$0	$0
KELLY CRAWFORD	Director	2.00	Director	$0	$0	$0
PAT DILLON	DIRECTOR	2.00	Director	$0	$0	$0
DR GABE EDGAR	DIRETOR	2.00	Director	$0	$0	$0
SCOTT GANN	SECRETARY/TREAS	2.00	Officer Director	$0	$0	$0
DR ELIZABETH KENNEDY	Director	2.00	Director	$0	$0	$0
TODD JOE	Director	0.00	Director	$0	$0	$0
CARRIE KOELZER	VICE CHAIR MEMB	2.00	Director	$0	$0	$0
AMY KOTWANI	Director	2.00	Director	$0	$0	$0
JOHN JOSENDALE	Director	0.00	Director	$0	$0	$0
TERRI MODLIN	Director	2.00	Director	$0	$0	$0
KYLE PHILLIPS	Director	2.00	Director	$0	$0	$0
NANCY POTTER LYLE	VICE CHAR ECONI	2.00	Director	$0	$0	$0
SCOTT NELSON	Director	0.00	Director	$0	$0	$0
BRIAN SHEWELL	Director	0.00	Director	$0	$0	$0
DENNIS PINKELMAN	Director	0.00	Director	$0	$0	$0
MARK WOODBURY	Director	2.00	Director	$0	$0	$0
BRETT CAROLUS	IMMEDIATE PAST	2.00	Officer	$0	$0	$0
DON TOLLY	BOARD CHARIMAN	2.00	Officer	$0	$0	$0
ASHLEY ALBERS	CHAIR ELECR	2.00	Officer	$0	$0	$0
JONATHAN ARENS	Director	2.00	Officer	$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	$2,773,166	$2,466,862	$3,561,548	$306,304
2022	$1,976,740	$2,285,648	$3,289,693	$-308,908
2021	$2,397,526	$2,202,075	$3,515,504	$195,451
2020	$2,123,568	$2,121,962	$3,406,238	$1,606
2019	$1,914,673	$2,205,423	$3,168,297	$-290,750
2018	$2,103,765	$2,297,007	$3,261,462	$-193,242