BELLEVILLE 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

1935

Legal Domicile

Principal Officer

DAVID BLECHA

Phone

7855277554

Tax Period

2025-01-01 to 2025-12-31

BELLEVILLE CHAMBER OF COMMERCE, founded in 1935, is a small nonprofit that reported $153K in total revenue in fiscal year 2025. Revenue surged 52% from the prior year, signaling strong growth momentum. The organization ran a surplus of $123K, a strong 80% operating margin.

Mission

ADVANCE THE BUSINESS AND CIVIC INTERESTS OF THE CITY

Program Service Accomplishments

Program 1

RETAIL PROMOTIONS AND CIVIC AFFAIRS

Program 2

VARIOUS DONATIONS TO SUPPORT CITY/AREA PROJECTS

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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 (2025)

Revenue Breakdown

Contributions & Grants $18,737

Program Service Revenue $0

Investment Income $0

Other Revenue $134,536

TOTAL REVENUE $153,273

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $30,643

TOTAL EXPENSES $30,643

Year-over-Year Comparison

	2025	2024	Change
Revenue	$153,273	$100,668	+0.5%
Expenses	$30,643	$19,142	+0.6%
Net Income	$122,630	$81,526	+0.5%

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
DAVID BLECHA	President	1.00	Director	$0	$0	$0
BERDINA FRYE	Secretary	1.00	Director	$0	$0	$0
SHELLI NAVARRO	Director	1.00	Director	$0	$0	$0
TIFFINY SASSER	Treasurer	1.00	Director	$0	$0	$0
MACEY HOMEIER	Director	1.00	Director	$0	$0	$0
JEANETTE SHEETS	Director	1.00	Director	$0	$0	$0
TYLER OTTENSMEIER	Director	1.00	Director	$0	$0	$0
ALLAYNA OHLDE	Director	1.00	Director	$0	$0	$0
RYAN MCMILLAN	Vice President	1.00	Director	$0	$0	$0
BRENT MARTIN	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
2025	$153,273	$30,643	$271,824	$122,630
2024	$100,668	$19,142	$149,194	$81,526
2023	$-14,678	$17,270	$67,668	$-31,948
2022	$29,436	$25,185	$99,616	$4,251
2021	$49,282	$2,080	$95,365	$47,202
2020	$44,961	$36,442	$48,163	$8,519
2019	$10,039	$27,905	$39,644	$-17,866
2018	$5,207	$6,455	$57,510	$-1,248
2017	$71,285	$32,395	$61,950	$38,890
2016	$31,824	$25,926	$19,868	$5,898