Liabilities / Assets
83rd percentile
Higher debt load relative to assets than 83% of similar nonprofits.
EIN 38-1461108 • 501(c)6 • Dowagiac, MI
Profile
To provide leadership and support for the economic advancement of the community while building programs that benefit members.
Precomputed percentiles relative to similar nonprofits. These scores are descriptive rather than judgmental.
Liabilities / Assets
83rd percentile
Higher debt load relative to assets than 83% of similar nonprofits.
Liabilities / Revenue
80th percentile
Higher debt load relative to revenue than 80% of similar nonprofits.
Net Margin
75th percentile
Higher net margin than 75% of similar nonprofits.
Top Officer Pay
77th percentile
Higher top officer pay than 77% of similar nonprofits.
Top officer pay equals 0.0% of source-year revenue.
Asset Growth
90th percentile
Faster asset growth than 90% of similar nonprofits.
Revenue Growth
79th percentile
Faster revenue growth than 79% of similar nonprofits.
Assets
Up$80,239
Up $23,622 (+42%) from 2023
Liabilities
Up$18,819
Up $1,944 (+12%) from 2023
Net Assets
Up$61,420
Up $21,678 (+55%) from 2023
Revenue
Up$146,869
Up $27,025 (+23%) from 2023
Expenses
Up$125,191
Up $10,828 (+9.5%) from 2023
Net Income
Up$21,678
Up $16,197 (+296%) from 2023
Most recent year
2024 • Form 990EZDetailed filing. Detailed filing data is available for this year.
To provide leadership and support for the economic advancement of the community while building programs that benefit members.
| Description | Grants | Expenses |
|---|---|---|
| ENTICE VISITORS TO DOWAGIAC BY COORDINATING AND PROMOTING ANNUALEVENTS SUCH AS A CAR SHOW, SUMMER FESTIVAL, FALL FESTIVAL AND WINTER ICE FESTIVAL. | $0 | $66,585 |
| PROMOTE AND HOST THE ANNUAL MISS DOWAGIAC SCHOLARSHIP PAGEANT. LOCAL WOMEN COMPETE FOR THE SCHOLARSHIPS AWARDED AND PROMOTE THE COMMUNITY THROUGH VOLUNTEER ACTIVITIES. | $6,000 | $7,149 |
| Name | Title | Full / Part Time | Base | Other | Total |
|---|---|---|---|---|---|
| EMILY SCHROCK | Trustee | - | $0 | - | - |
| JASON OLIVAREZ | Trustee | - | $0 | - | - |
| KRISTYN SOENEN | President | PT | $0 | - | - |
| DR TIMOTHY DOWSETT | Vice President | - | $0 | - | - |
| MANDY WALLACE | Treasurer | - | $0 | - | - |
| JUNE NEMETH | Secretary | - | $0 | - | - |
“Income: gross receipts: 295. Returns and allowances: 0. Less cost of goods sold: 102. Gross profit: 193. Cost of goods sold: inventory at beginning of year: 0. Merchandise purchased: 0. Cost of labor: 0. Materials and supplies: 102. Other costs: 0. Inventory at end of year: 0. Cost of goods sold: 102.”
“Description: unredeemed gift certificates. Amount: 486.”
“Activity classification: scholarship. Grantee name: amelia jones. Grantee relationship: none. Amount given: 4,000.”
“Activity classification: scholarship. Grantee name: anna ironside. Grantee relationship: none. Amount given: 2,000. Total included on form 990-ez, line 10: 6,000.”
“Description: computer & software expense. Amount: 1,529. Description: program expenses. Amount: 60,952. Description: office/general admin expense. Amount: 2,599. Description: advertising. Amount: 3,260. Description: bad debt. Amount: 1,575. Total to form 990-ez, line 16: 69,915.”
“Description: inventory. Beg. Of year amount: 1,680. End of year amount: 1,578. Description: furniture & equipment. Beg. Of year amount: 525. End of year amount: 525.”
“Description: deferred revenue. Beg. Of year amount: 10,058. End of year amount: 11,702. Description: gift certificate liability. Beg. Of year amount: 6,083. End of year amount: 6,008. Description: payroll & sales taxes payable. Beg. Of year amount: 734. End of year amount: 1,041. Description: other. Beg. Of year amount: 0. End of year amount: 68.”
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 | 0 |
| IRS990EZ/BooksInCareOfDetail/BusinessName/BusinessNameLine1Txt | 0 | UHY ADVISORS INC |
| IRS990EZ/BooksInCareOfDetail/PhoneNum | 0 | 2693817600 |
| IRS990EZ/BooksInCareOfDetail/USAddress/AddressLine1Txt | 0 | 7171 STADIUM DR |
| IRS990EZ/BooksInCareOfDetail/USAddress/CityNm | 0 | KALAMAZOO |
| IRS990EZ/BooksInCareOfDetail/USAddress/StateAbbreviationCd | 0 | MI |
| IRS990EZ/BooksInCareOfDetail/USAddress/ZIPCd | 0 | 49009 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/BOYAmt | 0 | 54412 |
| IRS990EZ/CashSavingsAndInvestmentsGrp/EOYAmt | 0 | 78136 |
| IRS990EZ/ChgMadeToOrgnzngDocNotRptInd | 0 | 0 |
| IRS990EZ/ContributionsGiftsGrantsEtcAmt | 0 | 6000 |
| IRS990EZ/CostOfGoodsSoldAmt | 0 | 102 |
| IRS990EZ/DirectIndirectPltclExpendAmt | 0 | 0 |
| IRS990EZ/DonorAdvisedFndsInd | 0 | 0 |
| IRS990EZ/ExcessOrDeficitForYearAmt | 0 | 21678 |
| IRS990EZ/FeesAndOtherPymtToIndCntrctAmt | 0 | 1265 |
| IRS990EZ/ForeignFinancialAccountInd | 0 | 0 |
| IRS990EZ/ForeignOfficeInd | 0 | 0 |
| IRS990EZ/Form990TotalAssetsGrp/BOYAmt | 0 | 56617 |
| IRS990EZ/Form990TotalAssetsGrp/EOYAmt | 0 | 80239 |
| IRS990EZ/GrantsAndSimilarAmountsPaidAmt | 0 | 6000 |
| IRS990EZ/GrossProfitLossSlsOfInvntryAmt | 0 | 193 |
| IRS990EZ/GrossReceiptsAmt | 0 | 146971 |
| IRS990EZ/GrossSalesOfInventoryAmt | 0 | 295 |
| IRS990EZ/InfoInScheduleOPartIIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartIInd | 0 | X |
| IRS990EZ/InfoInScheduleOPartVInd | 0 | X |
| IRS990EZ/MadeLoansToFromOfficersInd | 0 | 0 |
| IRS990EZ/MembershipDuesAmt | 0 | 44647 |
| IRS990EZ/MethodOfAccountingCashInd | 0 | X |
| IRS990EZ/NetAssetsOrFundBalancesBOYAmt | 0 | 39742 |
| IRS990EZ/NetAssetsOrFundBalancesEOYAmt | 0 | 61420 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/BOYAmt | 0 | 39742 |
| IRS990EZ/NetAssetsOrFundBalancesGrp/EOYAmt | 0 | 61420 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 0 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 1 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 2 | 15.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 3 | 1.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 4 | 4.00 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/AverageHrsPerWkDevotedToPosRt | 5 | 1.00 |
| 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/EmployeeBenefitProgramAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/EmployeeBenefitProgramAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 0 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 1 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 2 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 3 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 4 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/ExpenseAccountOtherAllwncAmt | 5 | 0 |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 0 | EMILY SCHROCK |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 1 | JASON OLIVAREZ |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 2 | KRISTYN SOENEN |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 3 | DR TIMOTHY DOWSETT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 4 | MANDY WALLACE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/PersonNm | 5 | JUNE NEMETH |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 0 | TRUSTEE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 1 | TRUSTEE |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 2 | PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 3 | VICE PRESIDENT |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 4 | TREASURER |
| IRS990EZ/OfficerDirectorTrusteeEmplGrp/TitleTxt | 5 | SECRETARY |
| IRS990EZ/OperateHospitalInd | 0 | 0 |
| IRS990EZ/Organization501cInd | 0 | X |
| IRS990EZ/OrganizationDissolvedEtcInd | 0 | 0 |
| IRS990EZ/OrganizationHadUBIInd | 0 | 0 |
| IRS990EZ/OtherAssetsTotalDetail/BOYAmt | 0 | 2205 |
| IRS990EZ/OtherAssetsTotalDetail/EOYAmt | 0 | 2103 |
| IRS990EZ/OtherChangesInNetAssetsAmt | 0 | 0 |
| IRS990EZ/OtherExpensesTotalAmt | 0 | 69915 |
| IRS990EZ/OtherRevenueTotalAmt | 0 | 486 |
| IRS990EZ/PoliticalCampaignActyInd | 0 | 0 |
| IRS990EZ/PrimaryExemptPurposeTxt | 0 | TO PROVIDE LEADERSHIP AND SUPPORT FOR THE ECONOMIC ADVANCEMENT OF THE COMMUNITY WHILE BUILDING PROGRAMS THAT BENEFIT MEMBERS. |
| IRS990EZ/PrintingPublicationsPostageAmt | 0 | 22987 |
| IRS990EZ/ProgramServiceRevenueAmt | 0 | 95543 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 0 | ENTICE VISITORS TO DOWAGIAC BY COORDINATING AND PROMOTING ANNUALEVENTS SUCH AS A CAR SHOW, SUMMER FESTIVAL, FALL FESTIVAL AND WINTER ICE FESTIVAL. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/DescriptionProgramSrvcAccomTxt | 1 | PROMOTE AND HOST THE ANNUAL MISS DOWAGIAC SCHOLARSHIP PAGEANT. LOCAL WOMEN COMPETE FOR THE SCHOLARSHIPS AWARDED AND PROMOTE THE COMMUNITY THROUGH VOLUNTEER ACTIVITIES. |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 0 | 0 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/GrantsAndAllocationsAmt | 1 | 6000 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 0 | 66585 |
| IRS990EZ/ProgramSrvcAccomplishmentGrp/ProgramServiceExpensesAmt | 1 | 7149 |
| IRS990EZ/ProhibitedTaxShelterTransInd | 0 | 0 |
| IRS990EZ/RelatedOrganizationCtrlEntInd | 0 | 0 |
| IRS990EZ/SalariesOtherCompEmplBnftAmt | 0 | 25024 |
| IRS990EZ/ScheduleBNotRequiredInd | 0 | X |
| IRS990EZ/SubjectToProxyTaxInd | 0 | 0 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/BOYAmt | 0 | 16875 |
| IRS990EZ/SumOfTotalLiabilitiesGrp/EOYAmt | 0 | 18819 |
| IRS990EZ/TanningServicesProvidedInd | 0 | 0 |
| IRS990EZ/TotalExpensesAmt | 0 | 125191 |
| IRS990EZ/TotalProgramServiceExpensesAmt | 0 | 73734 |
| IRS990EZ/TotalRevenueAmt | 0 | 146869 |
| IRS990EZ/TypeOfOrganizationCorpInd | 0 | X |
| IRS990EZ/WebsiteAddressTxt | 0 | WWW.DOWAGIACCHAMBER.COM |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 0 | INCOME: GROSS RECEIPTS: 295. RETURNS AND ALLOWANCES: 0. LESS COST OF GOODS SOLD: 102. GROSS PROFIT: 193. COST OF GOODS SOLD: INVENTORY AT BEGINNING OF YEAR: 0. MERCHANDISE PURCHASED: 0. COST OF LABOR: 0. MATERIALS AND SUPPLIES: 102. OTHER COSTS: 0. INVENTORY AT END OF YEAR: 0. COST OF GOODS SOLD: 102. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 1 | DESCRIPTION: UNREDEEMED GIFT CERTIFICATES. AMOUNT: 486. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 2 | ACTIVITY CLASSIFICATION: SCHOLARSHIP. GRANTEE NAME: AMELIA JONES. GRANTEE RELATIONSHIP: NONE. AMOUNT GIVEN: 4,000. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 3 | ACTIVITY CLASSIFICATION: SCHOLARSHIP. GRANTEE NAME: ANNA IRONSIDE. GRANTEE RELATIONSHIP: NONE. AMOUNT GIVEN: 2,000. TOTAL INCLUDED ON FORM 990-EZ, LINE 10: 6,000. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 4 | DESCRIPTION: COMPUTER & SOFTWARE EXPENSE. AMOUNT: 1,529. DESCRIPTION: PROGRAM EXPENSES. AMOUNT: 60,952. DESCRIPTION: OFFICE/GENERAL ADMIN EXPENSE. AMOUNT: 2,599. DESCRIPTION: ADVERTISING. AMOUNT: 3,260. DESCRIPTION: BAD DEBT. AMOUNT: 1,575. TOTAL TO FORM 990-EZ, LINE 16: 69,915. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 5 | DESCRIPTION: INVENTORY. BEG. OF YEAR AMOUNT: 1,680. END OF YEAR AMOUNT: 1,578. DESCRIPTION: FURNITURE & EQUIPMENT. BEG. OF YEAR AMOUNT: 525. END OF YEAR AMOUNT: 525. |
| IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt | 6 | DESCRIPTION: DEFERRED REVENUE. BEG. OF YEAR AMOUNT: 10,058. END OF YEAR AMOUNT: 11,702. DESCRIPTION: GIFT CERTIFICATE LIABILITY. BEG. OF YEAR AMOUNT: 6,083. END OF YEAR AMOUNT: 6,008. DESCRIPTION: PAYROLL & SALES TAXES PAYABLE. BEG. OF YEAR AMOUNT: 734. END OF YEAR AMOUNT: 1,041. DESCRIPTION: OTHER. BEG. OF YEAR AMOUNT: 0. END OF YEAR AMOUNT: 68. |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 0 | FORM 990-EZ, PART I, LINE 7 - SALES OF INVENTORY |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 1 | FORM 990-EZ, PART I, LINE 8 - OTHER REVENUE |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 2 | FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 3 | FORM 990-EZ, PART I, LINE 10 - GRANTS AND SIMILAR AMOUNTS PAID |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 4 | FORM 990-EZ, PART I, LINE 16 - OTHER EXPENSES |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 5 | FORM 990-EZ, PART II, LINE 24 - OTHER ASSETS |
| IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc | 6 | FORM 990-EZ, PART II, LINE 26 - OTHER LIABILITIES |
| TransferPrsnlBnftContractsDecl/DeclarationDesc | 0 | THE ORGANIZATION DID NOT, DURING THE YEAR, RECEIVE ANY FUNDS, DIRECTLY,OR INDIRECTLY, TO PAY PREMIUMS ON A PERSONAL BENEFIT CONTRACT.THE ORGANIZATION, DID NOT, DURING THE YEAR, PAY ANY PREMIUMS, DIRECTLY,OR INDIRECTLY, ON A PERSONAL BENEFIT CONTRACT. |
| ReturnHeader/BuildTS | 0 | 2025-03-06 01:10:19Z |
| ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd | 0 | 1 |
| ReturnHeader/BusinessOfficerGrp/PersonNm | 0 | KRISTYN SOENEN |
| ReturnHeader/BusinessOfficerGrp/PersonTitleTxt | 0 | PRESIDENT |
| ReturnHeader/BusinessOfficerGrp/PhoneNum | 0 | 2697828212 |
| ReturnHeader/BusinessOfficerGrp/SignatureDt | 0 | 2025-11-01 |
| ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt | 0 | GREATER DOWAGIAC CHAMBER OF |
| ReturnHeader/Filer/BusinessName/BusinessNameLine2Txt | 0 | COMMERCE |
| ReturnHeader/Filer/BusinessNameControlTxt | 0 | GREA |
| ReturnHeader/Filer/EIN | 0 | 381461108 |
| ReturnHeader/Filer/PhoneNum | 0 | 2697828212 |
| ReturnHeader/Filer/USAddress/AddressLine1Txt | 0 | 200 DEPOT DRIVE |
| ReturnHeader/Filer/USAddress/CityNm | 0 | DOWAGIAC |
| ReturnHeader/Filer/USAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/Filer/USAddress/ZIPCd | 0 | 49047 |
| ReturnHeader/IRSResponsiblePrtyInfoCurrInd | 0 | 0 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmEIN | 0 | 381910111 |
| ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt | 0 | UHY ADVISORS GREAT LAKES INC |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt | 0 | 7171 STADIUM DRIVE |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm | 0 | KALAMAZOO |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd | 0 | MI |
| ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd | 0 | 49009 |
| ReturnHeader/PreparerPersonGrp/PhoneNum | 0 | 2693817600 |
| ReturnHeader/PreparerPersonGrp/PreparationDt | 0 | 2025-11-01 |
| ReturnHeader/PreparerPersonGrp/PreparerPersonNm | 0 | RHONDA L NEWMAN |
| ReturnHeader/ReturnTs | 0 | 2025-11-12T10:42:34-06:00 |
| ReturnHeader/ReturnTypeCd | 0 | 990EZ |
| ReturnHeader/TaxPeriodBeginDt | 0 | 2024-01-01 |
| ReturnHeader/TaxPeriodEndDt | 0 | 2024-12-31 |
| ReturnHeader/TaxYr | 0 | 2024 |
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