WHEELING AREA CHAMBER OF COMMERCE INC (EIN 550485881) - 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

1966

Legal Domicile

Principal Officer

JENNIFER MATERKOSKI

Phone

3042332575

Tax Period

2025-01-01 to 2025-12-31

WHEELING AREA CHAMBER OF COMMERCE INC, founded in 1966, is a small nonprofit that reported $395K in total revenue in fiscal year 2025. Revenue fell 22% from the prior year — a significant decline worth monitoring.

Mission

TO ADVANCE BUSINESS DEVELOPMENT FOR CHAMBER MEMBERS THROUGH ADVOCACY,GOVERNEMENT RELATIONS,EDUCATION AND COMMUNITY DEVELOPMENT.

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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 $131,006

Program Service Revenue $258,465

Investment Income $6

Other Revenue $6,022

TOTAL REVENUE $395,499

Expense Breakdown

Grants Paid $0

Salaries & Benefits $201,776

Fundraising Expenses $0

Program Expenses $44,403

Other Expenses $221,049

TOTAL EXPENSES $422,825

Year-over-Year Comparison

	2025	2024	Change
Revenue	$395,499	$507,102	-0.2%
Expenses	$422,825	$532,265	-0.2%
Net Income	$-27,326	$-25,163	+0.1%

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

$5,617

Total Directors

$5,617

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ANDY MCKENZIE	MEMBERSHIP CHAIR	1.00	Officer Director	$0	$0	$0
RODNEY HALEY	CHAIRMAN	1.00	Officer Director	$0	$0	$0
JODI CARDER	CITY OF LIGHTS CHAIR	1.00	Director	$0	$0	$0
ZACHARY ABRAHAM	TRANSPORTATION CHAIR	1.00	Officer Director	$0	$0	$0
ZACK BLAIR	TREASURER	1.00	Officer Director	$0	$0	$0
JOHN CULLER	EDUCATION CHAIRMAN	1.00	Director	$0	$0	$0
JEFF KNIGHT	SPECIAL PROJECTS CHAIR	1.00	Officer Director	$0	$0	$0
JOSH WACK	WELLNESS CHAIR	1.00	Director	$0	$0	$0
JENNIFER MATERKOSKI	PRESIDENT	40.00	Officer Director	$5,617	$0	$5,617
ERIN BALL	EVENTS CHAIR	1.00	Officer Director	$0	$0	$0
ERIC STAKEM	DIRECTOR	1.00	Director	$0	$0	$0
SUZIE NELSON	VICE-CHAIR	1.00	Officer Director	$0	$0	$0
ROBERT HERRON	DIRECTOR	1.00	Director	$0	$0	$0
TIM MCCOY	DIRECTOR	1.00	Director	$0	$0	$0
ERIKKA STORCH	DIRECTOR	1.00	Director	$0	$0	$0
KARRI MULHERN	DIRECTOR	1.00	Director	$0	$0	$0
JOHN DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
DAVID CRUMM	DIRECTOR	1.00	Director	$0	$0	$0
MISSY ASHMORE	DIRECTOR	1.00	Director	$0	$0	$0
DAVID KLICK	DIRECTOR	1.00	Director	$0	$0	$0
WILL TURANI	DIRECTOR	1.00	Director	$0	$0	$0
DOUGLAS HARRISON	DIRECTOR	1.00	Director	$0	$0	$0
BOBBY HARTONG	DIRECTOR	1.00	Director	$0	$0	$0
GERALD LOFTSTEAD	DIRECTOR	1.00	Director	$0	$0	$0
LEIGH TRISCHLER	DIRECTOR	1.00	Director	$0	$0	$0
TIM BROCHERS	DIRECTOR	1.00	Officer Director	$0	$0	$0
KURT ZENDE	PRESIDENT	40.00		$63,431	$0	$63,431

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	$395,499	$422,825	$40,930	$-27,326
2024	No data	No data	No data	No data
2023	$480,934	$464,857	$101,909	$16,077
2022	$351,299	$364,077	$86,684	$-12,778
2021	$308,751	$292,645	$92,146	$16,106
2020	$286,529	$288,047	$74,070	$-1,518
2019	$366,952	$361,818	$111,032	$5,134
2018	$378,871	$381,942	$97,377	$-3,071

WHEELING AREA CHAMBER OF COMMERCE INC