O'NEILL AREA CHAMBER OF COMMERCE (EIN 470527399) - 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

1974

Legal Domicile

Principal Officer

TRENT SHOEMAKER

Phone

4023362355

Tax Period

2023-01-01 to 2023-12-31

O'NEILL AREA CHAMBER OF COMMERCE, founded in 1974, is a community nonprofit that reported $1.8M in total revenue in fiscal year 2023. Revenue surged 389% from the prior year, signaling strong growth momentum. The organization ran a surplus of $1.5M, a strong 81% operating margin.

Mission

TO PROMOTE BUSINESS IN THE O'NEILL AREA.

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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 $1,653,030

Program Service Revenue $169,520

Investment Income $14,006

Other Revenue $4,748

TOTAL REVENUE $1,841,304

Expense Breakdown

Grants Paid $1,000

Salaries & Benefits $56,617

Fundraising Expenses $0

Program Expenses $275,158

Other Expenses $288,633

TOTAL EXPENSES $346,250

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,841,304	$376,809	+3.9%
Expenses	$346,250	$318,306	+0.1%
Net Income	$1,495,054	$58,503	+24.6%

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

$39,536

Total Directors

$39,536

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LAURI HAVRANEK	EXECUTIVE DI	0.30	Officer Director	$39,536	$0	$39,536
HOLLY COLE	DIRECTOR	0.30	Director	$0	$0	$0
MICHAEL HEDLUND	DIRECTOR	0.30	Director	$0	$0	$0
MEGAN HEISS	DIRECTOR	0.30	Director	$0	$0	$0
BRYAN HOEFER	DIRECTOR	0.30	Director	$0	$0	$0
DAN KRUGMAN	VICE PRESIDE	0.30	Officer Director	$0	$0	$0
TERRY MILES	DIRECTOR	0.30	Director	$0	$0	$0
SCOTT POESE	DIRECTOR	0.30	Director	$0	$0	$0
KYLE SANDERSON	DIRECTOR	0.30	Director	$0	$0	$0
TRENT SHOEMAKER	PRESIDENT	0.30	Officer Director	$0	$0	$0
JANA SOBOTKA	DIRECTOR	0.30	Director	$0	$0	$0
JOEL STEINHAUSER	BOARD TREASU	0.30	Officer 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
2024	No data	No data	No data	No data
2023	$1,841,304	$346,250	$1,896,306	$1,495,054
2022	$376,809	$318,306	$411,889	$58,503
2021	$324,583	$283,949	$299,435	$40,634
2020	$231,575	$186,752	$258,801	$44,823
2019	$281,946	$259,278	$213,978	$22,668
2018	$253,080	$225,642	$191,310	$27,438

O'NEILL AREA CHAMBER OF COMMERCE