YANKTON AREA CHAMBER OF COMMERCE (EIN 460208010) - 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

1920

Legal Domicile

Principal Officer

CARMEN SCHRAMM

Phone

6056653636

Tax Period

2021-01-01 to 2021-12-31

YANKTON AREA CHAMBER OF COMMERCE, founded in 1920, is a small nonprofit that reported $538K in total revenue in fiscal year 2018.

Mission

TO PROVIDE LEADERSHIP FOR ENHANCING ECONOMIC OPPORTUNITIES THAT WILL CREATE VALUE FOR THE MEMBERSHIP AND THE YANKTON SOUTH DAKOTA 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 (2021)

Revenue Breakdown

Contributions & Grants $6,135

Program Service Revenue $278,004

Investment Income $156

Other Revenue $0

TOTAL REVENUE $284,295

Expense Breakdown

Grants Paid $24,000

Salaries & Benefits $105,687

Fundraising Expenses $0

Program Expenses $156,696

Other Expenses $168,643

TOTAL EXPENSES $298,330

Year-over-Year Comparison

	2021	2020	Change
Revenue	$284,295	$639,879	-0.6%
Expenses	$298,330	$628,840	-0.5%
Net Income	$-14,035	$11,039	-2.3%

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

100

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

$15,079

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CARMEN SCHRAMM	DIRECTOR OF	40.00	Officer	$15,079	$0	$15,079
CHERYL BECK	SECRETARY/TR	1.00	Officer Director	$0	$0	$0
SHAWN BROCK	DIRECTOR	1.00	Director	$0	$0	$0
ASHLI DANILKO	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
DAVE GILLIES	DIRECTOR	1.00	Director	$0	$0	$0
CHARLIE GROSS	DIRECTOR	1.00	Director	$0	$0	$0
JAMES GROTENHUIS	PRESIDENT	1.00	Officer Director	$0	$0	$0
KAMI GUTHMILLER	DIRECTOR	1.00	Director	$0	$0	$0
LACEY JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
MIKE KRAJEWSKI	DIRECTOR	1.00	Director	$0	$0	$0
JASON LARSEN	DIRECTOR	1.00	Director	$0	$0	$0
CYNTHIA MILLER	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANIE MOSER	DIRECTOR	1.00	Director	$0	$0	$0
PEGGY OLSON	DIRECTOR	1.00	Director	$0	$0	$0
BARB REZAC	DIRECTOR	1.00	Director	$0	$0	$0
TOM SCHROEDER	DIRECTOR	1.00	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
2021	$284,295	$298,330	No data	$-14,035
2020	$639,879	$628,840	$721,515	$11,039
2019	$636,125	$644,440	$659,564	$-8,315
2018	$537,502	$586,496	$658,220	$-48,994

YANKTON AREA CHAMBER OF COMMERCE