Civic Intelligence

Holland Area Chamber of Commerce

EIN 38-0655230 • 501(c)6 • Holland, MI

View Organization Page

Profile

The west coast chamber exists to be a catalyst for business growth and development, a convener of leaders and influencers, and a champion for a thriving community.

65 E 7th Street 300Holland, MI 49423

www.westcoastchamber.org

Siviq Scores

Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.

Liabilities / Assets

67th percentile

0.35x

Higher debt load relative to assets than 67% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2025

Liabilities / Revenue

91st percentile

1.02x

Higher debt load relative to revenue than 91% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2025

Net Margin

92nd percentile

30%

Higher net margin than 92% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Source year 2025

Top Officer Pay

45th percentile

$259,086

Higher top officer pay than 45% of similar nonprofits.

Top officer pay equals 11.8% of source-year revenue.

501(c)6 • $5M-$10M nonprofits • Source year 2025

Asset Growth

94th percentile

38%

Faster asset growth than 94% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Revenue Growth

86th percentile

25%

Faster revenue growth than 86% of similar nonprofits.

501(c)6 • $5M-$10M nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets67th percentile

Assets

$6,514,742

No earlier filing loaded for comparison.

Liabilities

$2,258,934

No earlier filing loaded for comparison.

Net Assets

$4,255,808

No earlier filing loaded for comparison.

Operations
Liabilities / Revenue91st percentileNet Margin92nd percentile

Revenue

$2,204,659

No earlier filing loaded for comparison.

Expenses

$1,546,598

No earlier filing loaded for comparison.

Net Income

$658,061

No earlier filing loaded for comparison.

Trend Graphs

Balance Sheet Trend

Asset Growth94th percentile

Grouped bars show assets, liabilities, and net assets across loaded filings.

$8.0M$6.0M$4.0M$2.0M$0Assets 2010: $1,084,014Liabilities 2010: $105,123Net Assets 2010: $978,8912010Assets 2011: $1,236,512Liabilities 2011: $133,209Net Assets 2011: $1,103,3032011Assets 2012: $1,412,987Liabilities 2012: $133,517Net Assets 2012: $1,279,4702012Assets 2013: $1,663,114Liabilities 2013: $124,922Net Assets 2013: $1,538,1922013Assets 2014: $1,819,293Liabilities 2014: $195,256Net Assets 2014: $1,624,0372014Assets 2015: $1,858,687Liabilities 2015: $201,266Net Assets 2015: $1,657,4212015Assets 2016: $2,146,786Liabilities 2016: $366,577Net Assets 2016: $1,780,2092016Assets 2017: $2,728,604Liabilities 2017: $440,006Net Assets 2017: $2,288,5982017Assets 2018: $2,937,379Liabilities 2018: $506,366Net Assets 2018: $2,431,0132018Assets 2019: $3,031,529Liabilities 2019: $562,999Net Assets 2019: $2,468,5302019Assets 2020: $3,148,881Liabilities 2020: $527,888Net Assets 2020: $2,620,9932020Assets 2021: $4,107,005Liabilities 2021: $944,344Net Assets 2021: $3,162,6612021Assets 2022: $4,101,206Liabilities 2022: $1,082,739Net Assets 2022: $3,018,4672022Assets 2023: $4,336,629Liabilities 2023: $1,103,700Net Assets 2023: $3,232,9292023Assets 2025: $6,514,742Liabilities 2025: $2,258,934Net Assets 2025: $4,255,8082025

Highlighted filing

2025

Assets$6,514,742
Liabilities$2,258,934
Net Assets$4,255,808
Open 2025 Filing

Operations Trend

Revenue Growth86th percentile

Revenue, expenses, and net income by year, with the latest filing highlighted.

$3.0M$2.0M$1.0M$0Expenses 2010: $833,1792010Expenses 2011: $883,3562011Expenses 2012: $956,5862012Revenue 2013: $1,304,732Expenses 2013: $1,165,746Net Income 2013: $138,9862013Revenue 2014: $1,248,220Expenses 2014: $1,183,420Net Income 2014: $64,8002014Revenue 2015: $1,287,860Expenses 2015: $1,239,518Net Income 2015: $48,3422015Revenue 2016: $1,293,200Expenses 2016: $1,191,704Net Income 2016: $101,4962016Revenue 2017: $1,645,492Expenses 2017: $1,163,342Net Income 2017: $482,1502017Revenue 2018: $1,318,668Expenses 2018: $1,200,099Net Income 2018: $118,5692018Revenue 2019: $1,342,377Expenses 2019: $1,304,647Net Income 2019: $37,7302019Revenue 2020: $1,316,762Expenses 2020: $1,212,210Net Income 2020: $104,5522020Revenue 2021: $1,331,470Expenses 2021: $984,180Net Income 2021: $347,2902021Revenue 2022: $1,304,618Expenses 2022: $1,244,002Net Income 2022: $60,6162022Revenue 2023: $1,459,457Expenses 2023: $1,316,947Net Income 2023: $142,5102023Revenue 2025: $2,204,659Expenses 2025: $1,546,598Net Income 2025: $658,0612025

Highlighted filing

2025

Revenue$2,204,659
Expenses$1,546,598
Net Income$658,061
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Facts available. Structured filing facts are available, but richer extracted sections are limited.

Open filing
Assets
$6,514,742
Liabilities
$2,258,934
Net assets
$4,255,808
Revenue
$2,204,659
Expenses
$1,546,598
Net income
$658,061
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Facts available. Structured filing facts are available, but richer extracted sections are limited.$6.51$2.26$4.26$2.20$1.55$0.66
2024XML pending. An XML filing is linked for this year, but detailed extraction is still pending.
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.34$1.10$3.23$1.46$1.32$0.14
2022XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.10$1.08$3.02$1.30$1.24$0.06
2021XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$4.11$0.94$3.16$1.33$0.98$0.35
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.15$0.53$2.62$1.32$1.21$0.10
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$3.03$0.56$2.47$1.34$1.30$0.04
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.94$0.51$2.43$1.32$1.20$0.12
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.73$0.44$2.29$1.65$1.16$0.48
2016XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.15$0.37$1.78$1.29$1.19$0.10
2015XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.86$0.20$1.66$1.29$1.24$0.05
2014XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.82$0.20$1.62$1.25$1.18$0.06
2013Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.66$0.12$1.54$1.30$1.17$0.14
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.41$0.13$1.28$0.96
2011Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.24$0.13$1.10$0.88
2010Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.08$0.11$0.98$0.83
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Sep 1, 2024 to Aug 31, 2025
Signed
Jan 19, 2026
Return Version
2024v5.5
Gross Receipts
$3,226,611
Mission and Program Overview

Mission

The west coast chamber exists to be a catalyst for business growth and development, a convener of leaders and influencers, and a champion for a thriving community.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$1,179,724$2,686,915▲ $1,507,191
Investments in Publicly Traded Securities$2,336,795$1,970,274▼ $366,521
Land, Buildings, and Equipment, Net$1,005,103$1,670,631▲ $665,528
Prepaid Expenses and Deferred Charges$61,107$85,757▲ $24,650
Accounts Receivable$134,897$78,364▼ $56,533
Pledges and Grants Receivable-$20,000-
Intangible Assets$4,262$2,801▼ $1,461
Total Assets$4,721,888$6,514,742▲ $1,792,854
Liabilities
Mortgage Notes Payable Secured by Investment Property-$1,050,000-
Other Liabilities$566,097$562,284▼ $3,813
Deferred Revenue$516,047$526,126▲ $10,079
Accounts Payable and Accrued Expenses$82,412$120,524▲ $38,112
Total Liabilities$1,164,556$2,258,934▲ $1,094,378
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$3,557,332$3,971,608▲ $414,276
Net Assets With Donor Restrictions-$284,200-
Total Net Assets Fund Balance$3,557,332$4,255,808▲ $698,476
Total Liabilities and Net Assets / Fund Balance$4,721,888$6,514,742▲ $1,792,854

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$1,670,631-$1,670,631
Compensation and Service Providers
Top Officer Pay45th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Jodi OwczarskiPresident and CEOFT$228,566$30,520$259,086
Britt DeloSecretaryPT$100,628$6,536$107,164

Board Members and Trustees

NameTitle
Paul BrinksChair
David BoltPast Chair
Jim EickhoffPast Chair
Patti Van DortVice-chair
BETH O'LAUGHLINDirector
Elizabeth RolinskiDirector
Ernesto LopezDirector
Jack JohnsonDirector
Jennifer OwensDirector
Juanita BocanegraDirector
Kim BurmeisterDirector
Kyle MayerDirector
Travis WilliamsDirector
Vince BoileauDirector
Becca DernbergerAt Large Executive Commite
Scott LubbersAt Large Executive Commite
Revenue and Support

Revenue Composition

Contributions and Grants
$296,700
Program Service Revenue
$1,467,112
Investment Income
$428,830
Other Revenue
$12,017
All Other Contributions
$296,700
Change in Net Assets
$658,061

Audited Revenue Reconciliation

Revenue per Audited Statements
$2,192,549
Revenue Not Reported on Financial Statements
$12,110
Revenue Not Reported on Form 990
$33,029
Total Revenue per Audited Statements
$2,225,578
Total Revenue per Form 990
$2,204,659
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$918,683
Other Expenses$627,915
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees---$416,362
Other Salaries and Wages---$392,598
Conferences and Meetings---$308,980
Office Expenses---$76,412
Occupancy---$56,600
Payroll Taxes---$54,225
Depreciation Depletion---$38,241
Other Employee Benefits---$37,587
Advertising---$27,471
Fees for Services Accounting---$23,900
Pension Plan Contributions---$17,911
Fees for Service Investment Mgmnt Fees---$12,110
Interest---$6,970
Fees for Services Other---$3,809
Other Expenses---$400
Total Functional Expenses$0$0$0$1,546,598

Audited Expense Reconciliation

Line ItemAmount
Total Expenses per Form 990$1,546,598
Expenses per Audited Statements$1,534,488
Total Expenses per Audited Statements$1,534,488
Expenses Not Reported on Financial Statements$12,110
Expenses Not Reported on Form 990$0
Fundraising, Events, and Gaming
Fundraising activities
No
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Professional Fundraising Fees$0
Political and Lobbying Activity
Political campaign activity
No
In-house lobbying only
Yes
Subject to proxy tax
Yes
Debt and Bond Financing

Other Reported Liabilities

LiabilityAmount
West Coast Cash Certificates$562,284
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
Yes
Audit committee
Yes
Backup withholding compliance
Yes
Business relationship with 35% controlled entity
No
Business relationship with family members
No
Business relationship with organization members
No
Material changes to governing documents
No
Compensation from other sources disclosed
No
CEO compensation reviewed
Yes
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
Yes
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Part VI, Section B, Line 11B

“A copy of the form 990 is distributed and reviewed by the executive committee annually.”

Form 990, Part VI, Section B, Line 12C

“All directors, officers and staff will sign a conflict of interest policy annually, and these will be reviewed for conflicts by the president. Any individual with a conflict is required to leave the meeting during discussions/votes on topics where a conflict exists.”

Form 990, Part VI, Section B, Line 15A

“The president (executive director) is the only position with an external review process of compensation. The board chair, vice-chair, and immediate past chair review the compensation and performance, annually. An external hr consultant is used to provide compensation surveys to ensure the compensation is appropriate.”

Form 990, Part VI, Section C, Line 19

“The form 990 is available to the public on the internet at www.candid.org. The bylaws are made available on the organization's website and other governing documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
Michigan West Coast Chamber of Commerce
EIN
38-0655230
Phone
6163922389
Address
65 E 7TH STREET 300, HOLLAND, MI 49423

Signing Officer

Name
Jodi Owczarski
Title
President
Phone
6163922389
Signed
2026-01-19
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Jodi Owczarski
Formed
1935
Legal Domicile
Mi
Voting Board Members
16
Independent Board Members
16
Employees
8
Volunteers
56

Preparer

Firm
Hungerford Cpas Advisors
Address
675 E 16TH STREET 100, HOLLAND, MI 49423
Preparer
Jill R Schutte CPA
Phone
6163928534
Supplemental Narrative

Additional Explanations

FORM 990, PART XI, LINE 9:

“Acquisition of net assets via holland young professionals 7,386.”

Raw XML AppendixShowing 400 of 536 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
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IRS990/AccountsReceivableGrp/EOYAmt078364
IRS990/ActivitiesConductedPrtshpInd00
IRS990/ActivityOrMissionDesc0THE WEST COAST CHAMBER EXISTS TO BE A CATALYST FOR BUSINESS GROWTH AND DEVELOPMENT, A CONVENER OF LEADERS AND INFLUENCERS, AND A CHAMPION FOR A THRIVING COMMUNITY.
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IRS990/Form990PartVIISectionAGrp/PersonNm1BRITT DELO
IRS990/Form990PartVIISectionAGrp/PersonNm2PAUL BRINKS
IRS990/Form990PartVIISectionAGrp/PersonNm3PATTI VAN DORT
IRS990/Form990PartVIISectionAGrp/PersonNm4DAVID BOLT
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IRS990/Form990PartVIISectionAGrp/PersonNm17BECCA DERNBERGER
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT AND CEO
IRS990/Form990PartVIISectionAGrp/TitleTxt1SECRETARY
IRS990/Form990PartVIISectionAGrp/TitleTxt2CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt3VICE-CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt4PAST CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt5PAST CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt12DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16AT LARGE EXECUTIVE COMMITE
IRS990/Form990PartVIISectionAGrp/TitleTxt17AT LARGE EXECUTIVE COMMITE
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IRS990/GrantsToOrganizationsInd00
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IRS990/GrossRentsGrp/RealAmt012017
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IRS990ScheduleC/SubstantiallyAllDuesNondedInd00
IRS990ScheduleC/SupplementalInformationDetail/ExplanationTxt0MINIMAL LETTERS AND CONVERSATIONS WITH INDIVIDUAL LEGISLATORS
IRS990ScheduleC/SupplementalInformationDetail/FormAndLineReferenceDesc0PART II-B, LINE 1:
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IRS990ScheduleD/OtherLiabilitiesOrgGrp/Desc0WEST COAST CASH CERTIFICATES
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