RUGBY CHAMBER OF COMMERCE (EIN 450342583) - 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

1978

Legal Domicile

Principal Officer

LAURIE ODDEN

Phone

7017765846

Tax Period

2024-10-01 to 2025-09-30

RUGBY CHAMBER OF COMMERCE, founded in 1978, is a small nonprofit that reported $235K in total revenue in fiscal year 2024. Revenue decreased 16% compared to the prior year.

Mission

THE RUGBY CHAMBER OF COMMERCE PROMOTES THE COMMON ECONOMIC INTEREST OF ALL THE COMMERICIAL BUSINESSES IN THE RUGBY 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 (2024)

Revenue Breakdown

Contributions & Grants $76,807

Program Service Revenue $72,846

Investment Income $415

Other Revenue $85,006

TOTAL REVENUE $235,074

Expense Breakdown

Grants Paid $0

Salaries & Benefits $86,748

Fundraising Expenses $0

Program Expenses $219,444

Other Expenses $156,766

TOTAL EXPENSES $243,514

Year-over-Year Comparison

	2024	2023	Change
Revenue	$235,074	$279,478	-0.2%
Expenses	$243,514	$272,427	-0.1%
Net Income	$-8,440	$7,051	-2.2%

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
JOSH MATTSON	DIRECTOR	2.0	Director	$0	$0	$0
HANNAH VOELLER	DIRECTOR	2.0	Director	$0	$0	$0
KASEY OKKE	DIRECTOR	2.0	Director	$0	$0	$0
LAUREN MCCLINTOCK	DIRECTOR	2.0	Director	$0	$0	$0
BRUCE RHEAULT	DIRECTOR CONVENTION	2.0	Director	$0	$0	$0
MATHIA FOLLMAN	DIRECTOR CONVENTION	2.0	Director	$0	$0	$0
DAVE SCHNEIBEL JR	CITY COUNCIL REP	2.0	Director	$0	$0	$0
LEAH HARPER	PRESIDENT CHAMBER	3.0	Officer	$0	$0	$0
TRICIA TORGERSON	VICE PRESIDENT	2.0	Officer	$0	$0	$0
ASHLEY BERG	PRESIDENT CONVENTION	3.0	Officer	$0	$0	$0
ASHLEY BERG	PRESIDENT CONVENTION	3.0	Officer	$0	$0	$0
CORY GEISZLER	PAST PRESIDENT C&V	2.0	Officer	$0	$0	$0
JARETT LOVCIK	VICE PRESIDENT	2.0	Officer	$0	$0	$0
LAURIE ODDEN	EXECUTIVE DIRECTOR	40.0	Key Emp	$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	$235,074	$243,514	$105,265	$-8,440
2024	$279,478	$272,427	$124,287	$7,051
2023	$255,882	$304,381	$139,471	$-48,499
2022	$245,926	$242,244	$198,559	$3,682

RUGBY CHAMBER OF COMMERCE