Liabilities / Assets
54th percentile
Higher debt load relative to assets than 54% of similar nonprofits.
Waterloo Chamber of Commerce
990EZ • Fiscal year 2017 • EIN 37-1118006
Siviq Scores
Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.
0.01x
Liabilities / Revenue
60th percentile
Higher debt load relative to revenue than 60% of similar nonprofits.
Net Margin
41st percentile
Higher net margin than 41% of similar nonprofits.
Top Officer Pay
70th percentile
Higher top officer pay than 70% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
42nd percentile
Faster asset growth than 42% of similar nonprofits.
Revenue Growth
54th percentile
Faster revenue growth than 54% of similar nonprofits.
Balance Sheet
Assets
Down$196,989
Down $1,976 (-1.0%) from 2016
Net Assets
Down$195,312
Down $2,009 (-1.0%) from 2016
Liabilities
Up$1,677
Up $33 (+2.0%) from 2016
Revenue And Expenses
Revenue
Up$103,544
Up $2,727 (+2.7%) from 2016
Expenses
Down$103,820
Down $1,432 (-1.4%) from 2016
Net Income
Up-$276
Up $4,159 (+94%) from 2016
Historical Trend
Jump To
Filing Snapshot
- Filing Period
- Jan 1, 2017 to Dec 31, 2017
- Signed
- Feb 14, 2018
- Return Version
- 2017v2.2
- Gross Receipts
- $103,544
Mission and Program Overview
Mission
Promotion of city of waterloo business community
Program Services
| Description | Grants | Expenses |
|---|---|---|
| PROMOTIONS | - | $32,487 |
Compensation and Service Providers
Employees
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| KERMIT CONSTANTINE | Treasurer | - | $0 | - | - |
| AMY HANK | Director | - | $0 | - | - |
| GEORGE OBERNAGLE | President | - | $0 | - | - |
| JESSICA UNGER | Secretary | - | $0 | - | - |
| SHAUNDRA HUEBNER | Director | - | $0 | - | - |
| GORDON GREGSON | Director | - | $0 | - | - |
| LAURA MILLER | Director | - | $0 | - | - |
| LEIGH MCNICHOLAS | 1st Vice President | - | $0 | - | - |
| RYAN OSTERHAGE | 2ns Vice President | - | $0 | - | - |
Filing and Contact Details
Filer
- Filer Name
- Waterloo Chamber of Commerce
- EIN
- 37-1118006
- Phone
- 6189395300
- Address
- PO BOX 1, WATERLOO, IL 62298
Signing Officer
- Name
- Kermit Constantine
- Title
- Treasurer
- Signed
- 2018-02-14
- Discuss with paid preparer
- No
Preparer
- Firm
- Julie a Whelan CPA LLC
- Address
- 6251 CHANTILLY BEND, WATERLOO, IL 62298
- Preparer
- Julie a Whelan Bradley CPA
- Phone
- 6189398308
Supplemental Narrative
Additional Explanations
Form 990-EZ, Part I, Line 16, Other Expenses
“ADVERTISING 1,587”
Form 990-EZ, Part I, Line 16, Other Expenses
“PROGRAM EXPENSES 32,487”
Form 990-EZ, Part I, Line 16, Other Expenses
“CREDIT CARD FEES 61”
Form 990-EZ, Part I, Line 16, Other Expenses
“Dues, subscriptions and fees 285”
Form 990-EZ, Part I, Line 16, Other Expenses
“Executive director expenses 179”
Form 990-EZ, Part I, Line 16, Other Expenses
“Membership and promotions 63”
Form 990-EZ, Part I, Line 16, Other Expenses
“Membership directory expense 720”
Form 990-EZ, Part I, Line 16, Other Expenses
“MISCELLANEOUS 300”
Form 990-EZ, Part I, Line 16, Other Expenses
“PAYPAL FEE 99”
Form 990-EZ, Part I, Line 16, Other Expenses
“RECONCILIATION ERRORS 91”
Form 990-EZ, Part I, Line 16, Other Expenses
“SCHOLOARSHIP 2,000”
Form 990-EZ, Part I, Line 16, Other Expenses
“REAL ESTATE TAXES 1,469”
Form 990-EZ, Part I, Line 16, Other Expenses
“WEBSITE EXPENSE 620”
Form 990-EZ, Part I, Line 20, Net Assets
“Payments from designated funds -2,726”
Form 990-EZ, Part II, Line 24, Other Assets
“ACCOUNTS RECEIVABLE Beginning of year 0, End of year 175”
Form 990-EZ, Part II, Line 26, Liabilities
“PAYROLL TAXES PAYABLE Beginning of year 1,047, End of year 1,677”
Form 990-EZ, Part II, Line 26, Liabilities
“VISA CREDIT CARD Beginning of year 674, End of year 0”
Raw XML Appendix166 raw XML fields
This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.
| Path | # | Value |
|---|---|---|
| IRS990EZ/ActivitiesNotPreviouslyRptInd | 0 | false |
| IRS990EZ/BooksInCareOfDetail/PersonNm | 0 | KERMIT CONSTANTINE |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 6189395300 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | PO BOX 1 |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | WATERLOO |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | IL |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 62298 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 64691 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 61470 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | false |
| IRS990EZ/DonorAdvisedFndsInd | 0 | false |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | -276 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 550 |
| IRS990EZ/FiledScheduleAInd | 0 | false |
| IRS990EZ/ForeignFinancialAccountInd | 0 | false |
| IRS990EZ/ForeignOfficeInd | 0 | false |
| IRS990EZ/Form1120PolFiledInd | 0 | false |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 200035 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 196989 |
| IRS990EZ/GrossReceiptsAmt | 0 | 103544 |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InvestmentIncomeAmt | 0 | 360 |
| IRS990EZ/LandAndBuildingsGrp/BOYAmt | 0 | 135344 |
| IRS990EZ/LandAndBuildingsGrp/EOYAmt | 0 | 135344 |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | false |
| IRS990EZ/MembershipDuesAmt | 0 | 42917 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 198314 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 195312 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 198314 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 195312 |
| IRS990EZ/OccupancyRentUtltsAndMaintAmt | 0 | 10569 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 001.50 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 000.50 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 001.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 001.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 001.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 000.50 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 6 | 000.50 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 7 | 000.50 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 8 | 000.50 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 6 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 7 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/CompensationAmt | 8 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | KERMIT CONSTANTINE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | AMY HANK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | GEORGE OBERNAGLE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | JESSICA UNGER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | SHAUNDRA HUEBNER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | GORDON GREGSON |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 6 | LAURA MILLER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 7 | LEIGH MCNICHOLAS |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 8 | RYAN OSTERHAGE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | SECRETARY |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 6 | DIRECTOR |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 7 | 1ST VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 8 | 2NS VICE PRESIDENT |
| IRS990EZ/OperateHospitalInd | 0 | false |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | false |
| IRS990EZ/OrganizationHadUBIInd | 0 | false |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 175 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | -2726 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 39961 |
| IRS990EZ/PartVIHghstPdCntrctProfSrvcTxt | 0 | NONE |
| IRS990EZ/PartVIOfCompOfHghstPdEmplTxt | 0 | NONE |
| IRS990EZ/PoliticalCampaignActyInd | 0 | false |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | PROMOTION OF CITY OF WATERLOO BUSINESS COMMUNITY |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 4012 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 60267 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | PROMOTIONS |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 32487 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | false |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | false |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 48728 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SubjectToProxyTaxInd | 0 | false |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 1721 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 1677 |
| IRS990EZ/TanningServicesProvidedInd | 0 | false |
| IRS990EZ/TotalExpensesAmt | 0 | 103820 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 32487 |
| IRS990EZ/TotalRevenueAmt | 0 | 103544 |
| IRS990EZ/TransactionWithControlEntInd | 0 | false |
| IRS990EZ/TrnsfrExmptNonChrtblRltdOrgInd | 0 | false |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | ENJOYWATERLOO.COM |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | ADVERTISING 1,587 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | PROGRAM EXPENSES 32,487 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | CREDIT CARD FEES 61 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | DUES, SUBSCRIPTIONS AND FEES 285 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | EXECUTIVE DIRECTOR EXPENSES 179 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | MEMBERSHIP AND PROMOTIONS 63 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | MEMBERSHIP DIRECTORY EXPENSE 720 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 7 | MISCELLANEOUS 300 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 8 | PAYPAL FEE 99 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 9 | RECONCILIATION ERRORS 91 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 10 | SCHOLOARSHIP 2,000 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 11 | REAL ESTATE TAXES 1,469 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 12 | WEBSITE EXPENSE 620 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 13 | PAYMENTS FROM DESIGNATED FUNDS -2,726 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 14 | ACCOUNTS RECEIVABLE Beginning of year 0, End of year 175 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 15 | PAYROLL TAXES PAYABLE Beginning of year 1,047, End of year 1,677 |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 16 | VISA CREDIT CARD Beginning of year 674, End of year 0 |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 7 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 8 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 9 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 10 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 11 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 12 | Form 990-EZ, Part I, Line 16, Other Expenses |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 13 | Form 990-EZ, Part I, Line 20, Net Assets |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 14 | Form 990-EZ, Part II, Line 24, Other Assets |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 15 | Form 990-EZ, Part II, Line 26, Liabilities |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 16 | Form 990-EZ, Part II, Line 26, Liabilities |
| ReturnHeader/BuildTS | 0 | 2018-06-14 16:35:46Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | false |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | KERMIT CONSTANTINE |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | TREASURER |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2018-02-14 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | WATERLOO CHAMBER OF COMMERCE |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | WATE |
| ReturnHeader/Filer/EIN | 0 | 371118006 |
| ReturnHeader/Filer/PhoneNum | 0 | 6189395300 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | PO BOX 1 |
| ReturnHeader/Filer/USAddress/CityNm | 0 | WATERLOO |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 62298 |
| ReturnHeader/FilingSecurityInformation/AtSubmissionCreationDeviceId | 0 | 01A63149568C6200D55B6913EDF36DDEDE158EEF |
| ReturnHeader/FilingSecurityInformation/AtSubmissionFilingDeviceId | 0 | 01A63149568C6200D55B6913EDF36DDEDE158EEF |
| ReturnHeader/FilingSecurityInformation/FilingLicenseTypeCd | 0 | P |
| ReturnHeader/FilingSecurityInformation/IPAddress/IPv4AddressTxt | 0 | 216.114.104.167 |
| ReturnHeader/FilingSecurityInformation/IPDt | 0 | 2018-02-22 |
| ReturnHeader/FilingSecurityInformation/IPTimezoneCd | 0 | CS |
| ReturnHeader/FilingSecurityInformation/IPTm | 0 | 03:11:20 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | JULIE A WHELAN CPA LLC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 6251 CHANTILLY BEND |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | WATERLOO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | IL |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 62298 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 6189398308 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2018-02-14 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | JULIE A WHELAN BRADLEY CPA |
| ReturnHeader/ReturnTs | 0 | 2018-02-14T02:25:23-00:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2017-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2017-12-31 |
| ReturnHeader/TaxYr | 0 | 2017 |
Document Assets
No mirrored PDF or thumbnail assets are attached yet.
Filings
Displayed year
2017 • Form 990EZDetailed filing. Detailed filing data is available for this year.
- Assets
- $196,989
- Liabilities
- $1,677
- Net assets
- $195,312
- Revenue
- $103,544
- Expenses
- $103,820
- Net income
- -$276