LEAD AREA CHAMBER OF COMMERCE (EIN 450447844) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1997

Legal Domicile

Principal Officer

LEVI WILSON

Phone

6058541100

Tax Period

2025-01-01 to 2025-12-31

Lead Area Chamber of Commerce, founded in 1997, is a small nonprofit that reported $187K in total revenue in fiscal year 2018. Revenue grew 19% year-over-year, indicating healthy expansion.

Mission

CHAMBER OF COMMERCE TO PROMOTE BUSINESSES IN THE LEAD, SD AREA

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2025)

Revenue Breakdown

Contributions & Grants $130,143

Program Service Revenue $9,150

Investment Income $11

Other Revenue $3,614

TOTAL REVENUE $142,918

Expense Breakdown

Grants Paid $0

Salaries & Benefits $96,419

Fundraising Expenses $0

Other Expenses $75,092

TOTAL EXPENSES $171,511

Year-over-Year Comparison

	2025	2024	Change
Revenue	$142,918	$156,313	-0.1%
Expenses	$171,511	$170,963	+0.0%
Net Income	$-28,593	$-14,650	+1.0%

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

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
LEVI WILSON	PRESIDENT	N/A	Officer	$0	$0	$0
SHELLY ROSE	BOARD MEMBER	N/A	Director	$0	$0	$0
STEPHEN BRADLEY	VICE PRESIDE	N/A	Officer	$0	$0	$0
JANETTE SPRENGER	TREASURER	N/A	Officer	$0	$0	$0
ERICA GIBSON	SECRETARY	N/A	Officer	$0	$0	$0
DAN CAMPBELL	BOARD MEMBER	N/A	Director	$0	$0	$0
KEITH SIMONIEG	BOARD MEMBER	N/A	Director	$0	$0	$0
NAOMI MACMILLAN	BOARD MEMBER	N/A	Director	$0	$0	$0
TERESA COX	BOARD MEMBER	N/A	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	$142,918	$171,511	$8,199	$-28,593
2024	$156,313	$170,963	$35,240	$-14,650
2023	$153,493	$161,819	$50,451	$-8,326
2022	$104,218	$92,241	$58,036	$11,977
2021	$209,158	$202,520	$45,552	$6,638
2020	$163,853	$146,028	$39,404	$17,825
2019	$176,684	$152,692	$21,486	$23,992
2018	$186,687	$197,545	$3,368	$-10,858

LEAD AREA CHAMBER OF COMMERCE