Civic Intelligence

St Ignace Chamber of Commerce

EIN 38-1525853 • 501(c)6 • St Ignace, MI

Profile

Working to enhance businesses by building coalitions to build pride and promote the st. Ignace area as a great place to live, work, visit and do business.

560 N State StreetSt Ignace, MI 49781

www.saintignace.org

Siviq Scores

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

Liabilities / Assets

93rd percentile

0.68x

Higher debt load relative to assets than 93% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Liabilities / Revenue

98th percentile

1.23x

Higher debt load relative to revenue than 98% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Net Margin

20th percentile

-23%

Higher net margin than 20% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2025

Top Officer Pay

88th percentile

$47,163

Higher top officer pay than 88% of similar nonprofits.

Top officer pay equals 47.0% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2025

Asset Growth

31st percentile

-15%

Faster asset growth than 31% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Revenue Growth

18th percentile

-31%

Faster revenue growth than 18% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2024 to 2025

Balance Sheet
Liabilities / Assets93rd percentile

Assets

Down

$182,306

Down $33,088 (-15%) from 2024

Liabilities

Down

$123,248

Down $5,994 (-4.6%) from 2024

Net Assets

Down

$59,058

Down $27,094 (-31%) from 2024

Operations
Liabilities / Revenue98th percentileNet Margin20th percentile

Revenue

Down

$100,403

Down $45,850 (-31%) from 2024

Expenses

Down

$123,882

Down $26,202 (-17%) from 2024

Net Income

Down

-$23,479

Down $19,648 (-513%) from 2024

Trend Graphs

Balance Sheet Trend

Asset Growth31st percentile

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

$300K$200K$100K$0Assets 2019: $167,957Liabilities 2019: $118,579Net Assets 2019: $49,3782019Assets 2020: $227,303Liabilities 2020: $152,545Net Assets 2020: $74,7582020Assets 2021: $258,147Liabilities 2021: $146,312Net Assets 2021: $111,8352021Assets 2022: $256,266Liabilities 2022: $145,854Net Assets 2022: $110,4122022Assets 2023: $231,301Liabilities 2023: $135,465Net Assets 2023: $95,8362023Assets 2024: $215,394Liabilities 2024: $129,242Net Assets 2024: $86,1522024Assets 2025: $182,306Liabilities 2025: $123,248Net Assets 2025: $59,0582025

Highlighted filing

2025

Assets$182,306
Liabilities$123,248
Net Assets$59,058
Open 2025 Filing

Operations Trend

Revenue Growth18th percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2019: $153,345Expenses 2019: $161,965Net Income 2019: -$8,6202019Revenue 2020: $129,687Expenses 2020: $104,307Net Income 2020: $25,3802020Revenue 2021: $157,880Expenses 2021: $120,803Net Income 2021: $37,0772021Revenue 2022: $148,966Expenses 2022: $150,389Net Income 2022: -$1,4232022Revenue 2023: $144,211Expenses 2023: $158,787Net Income 2023: -$14,5762023Revenue 2024: $146,253Expenses 2024: $150,084Net Income 2024: -$3,8312024Revenue 2025: $100,403Expenses 2025: $123,882Net Income 2025: -$23,4792025

Highlighted filing

2025

Revenue$100,403
Expenses$123,882
Net Income-$23,479
Open 2025 Filing

Filings

Most recent year

2025 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$182,306
Liabilities
$123,248
Net assets
$59,058
Revenue
$100,403
Expenses
$123,882
Net income
-$23,479
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$1.82$1.23$0.59$1.00$1.24$0.23
2024Detailed filing. Detailed filing data is available for this year.$2.15$1.29$0.86$1.46$1.50$0.04
2023Detailed filing. Detailed filing data is available for this year.$2.31$1.35$0.96$1.44$1.59$0.15
2022Detailed filing. Detailed filing data is available for this year.$2.56$1.46$1.10$1.49$1.50$0.01
2021Detailed filing. Detailed filing data is available for this year.$2.58$1.46$1.12$1.58$1.21$0.37
2020Detailed filing. Detailed filing data is available for this year.$2.27$1.53$0.75$1.30$1.04$0.25
2019Detailed filing. Detailed filing data is available for this year.$1.68$1.19$0.49$1.53$1.62$0.09
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2025 to Dec 31, 2025
Signed
Feb 24, 2026
Return Version
2025v4.0
Gross Receipts
$103,540
Mission and Program Overview

Mission

Working to enhance businesses by building coalitions to build pride and promote the st. Ignace area as a great place to live, work, visit and do business.

Balance Sheet Detail
LineBeginningEndChange
Assets
Land, Buildings, and Equipment, Net$126,048$120,631▼ $5,417
Cash and Non-Interest-Bearing Accounts$36,524$60,097▲ $23,573
Savings and Temporary Cash Investments$52,822$1,578▼ $51,244
Total Assets$215,394$182,306▼ $33,088
Liabilities
Mortgage Notes Payable Secured by Investment Property$93,766$88,798▼ $4,968
Unsecured Notes Loans Payable$34,207$34,450▲ $243
Accounts Payable and Accrued Expenses$1,269--
Total Liabilities$129,242$123,248▼ $5,994
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$80,145$53,051▼ $27,094
Net Assets With Donor Restrictions$6,007$6,007→ $0
Total Net Assets Fund Balance$86,152$59,058▼ $27,094
Total Liabilities and Net Assets / Fund Balance$215,394$182,306▼ $33,088

Asset Categories

AssetBook ValueDepreciationBasis
Other Land Buildings$120,631$37,995$158,626
Compensation and Service Providers
Top Officer Pay88th percentile

Employees

NameTitleFull / Part TimeBaseTotal
Nichole GroveExecutive DiFT$47,163$47,163

Board Members and Trustees

NameTitle
Aimee WillifordPresident
Cathy LambDirector
Connie LitznerDirector
Jaime SmithDirector
Kyle BrowDirector
Lance DekeyserDirector
Samantha BelongaDirector
Terri HillDirector
Bob GillionTreasurer
Amanda GarlockVice Preside
Revenue and Support

Revenue Composition

Contributions and Grants
$71,361
Program Service Revenue
$29,000
Investment Income
$33
Other Revenue
$9
Change in Net Assets
$-23,479
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$72,958
Other Expenses$49,824
Grants and Similar Amounts Paid$1,100
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Current Officers, Directors, Trustees, and Key Employees$33,017$14,150-$47,167
Other Salaries and Wages$17,671--$17,671
Occupancy$11,200$1,244-$12,444
Payroll Taxes$7,036$1,084-$8,120
Interest$6,189$688-$6,877
Depreciation Depletion$4,876$543-$5,419
Office Expenses$3,338$371-$3,709
Insurance$2,496$763-$3,259
Conferences and Meetings$143$1,200-$1,343
Fees for Services Other-$1,149-$1,149
Grants to Domestic Orgs$1,100--$1,100
Advertising$180--$180
Other Expenses$600$112-$112
All Other Expenses-$38-$38
Total Functional Expenses$101,601$22,281$0$123,882
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
Subject to proxy tax
No
Governance and Compliance

Governance Checklist

Compiled or reviewed by an accountant
No
Annual disclosure for covered persons
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
No
Other officer compensation reviewed
No
Conflict-of-interest policy
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 11B

“Board review at interim board meeting.”

Form 990, Page 6, Part VI, Line 19

“All documents are available upon request.”

Filing and Contact Details

Filer

Filer Name
St Ignace Area Chamber of Commerce
EIN
38-1525853
Phone
9066438717
Address
560 N STATE STREET, ST IGNACE, MI 49781

Signing Officer

Name
Aimee Williford
Title
President
Phone
9066439380
Signed
2026-02-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Aimee Williford
Formed
2018
Legal Domicile
Mi
Voting Board Members
10
Independent Board Members
10
Employees
3
Volunteers
20

Preparer

Firm
Andersontackman & Company Plc
Address
16978 S RILEY AVE, KINCHELOE, MI 49788
Preparer
Tori Kruise CPA
Phone
9064955952
Supplemental Narrative

Additional Explanations

Form 990, Page 1, Part I, Line 6

“Volunteers help carry out events throughout the year.”

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This appendix keeps the raw XML leaves available for debugging and edge-case review. The human report above is the primary experience.

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IRS990/RelatedEntityInd0false
IRS990/RelatedOrganizationCtrlEntInd0false
IRS990/ReportInvestmentsOtherSecInd0false
IRS990/ReportLandBuildingEquipmentInd0true
IRS990/ReportOtherAssetsInd0false
IRS990/ReportOtherLiabilitiesInd0false
IRS990/ReportProgramRelatedInvstInd0false
IRS990/RevenueAmt036875
IRS990/SavingsAndTempCashInvstGrp/BOYAmt052822
IRS990/SavingsAndTempCashInvstGrp/EOYAmt01578
IRS990/ScheduleBRequiredInd0false
IRS990ScheduleD/OtherLandBuildingsGrp/BookValueAmt0120631
IRS990ScheduleD/OtherLandBuildingsGrp/DepreciationAmt037995
IRS990ScheduleD/OtherLandBuildingsGrp/OtherCostOrOtherBasisAmt0158626
IRS990ScheduleD/TotalBookValueLandBuildingsAmt0120631
IRS990/ScheduleJRequiredInd0false
IRS990/ScheduleORequiredInd0true
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0VOLUNTEERS HELP CARRY OUT EVENTS THROUGHOUT THE YEAR.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1BOARD REVIEW AT INTERIM BOARD MEETING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt2ALL DOCUMENTS ARE AVAILABLE UPON REQUEST.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PAGE 1, PART I, LINE 6
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PAGE 6, PART VI, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc2FORM 990, PAGE 6, PART VI, LINE 19
IRS990/SchoolOperatingInd0false
IRS990/SignificantChangeInd0false
IRS990/SignificantNewProgramSrvcInd0false
IRS990/StatesWhereCopyOfReturnIsFldCd0MI
IRS990/SubjectToExcsTaxNetInvstIncInd0false
IRS990/SubjectToProxyTaxInd0false
IRS990/SubjToTaxRmnrtnExPrchtPymtInd0false
IRS990/TaxablePartyNotificationInd0false
IRS990/TaxExemptBondsInd0false
IRS990/TerminateOperationsInd0false
IRS990/TotalAssetsBOYAmt0215394
IRS990/TotalAssetsEOYAmt0182306
IRS990/TotalAssetsGrp/BOYAmt0215394
IRS990/TotalAssetsGrp/EOYAmt0182306
IRS990/TotalCompGreaterThan150KInd0false
IRS990/TotalContributionsAmt071361
IRS990/TotalEmployeeCnt03
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt00
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt022281
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt0101601
IRS990/TotalFunctionalExpensesGrp/TotalAmt0123882
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt0129242
IRS990/TotalLiabilitiesEOYAmt0123248
IRS990/TotalLiabilitiesGrp/BOYAmt0129242
IRS990/TotalLiabilitiesGrp/EOYAmt0123248
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt086152
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt059058
IRS990/TotalProgramServiceExpensesAmt0101601
IRS990/TotalProgramServiceRevenueAmt029000
IRS990/TotalReportableCompFromOrgAmt047163
IRS990/TotalRevenueGrp/ExclusionAmt029042
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0100403
IRS990/TotalVolunteersCnt020
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt0215394
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt0182306
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd0false
IRS990/UnsecuredNotesLoansPayableGrp/BOYAmt034207
IRS990/UnsecuredNotesLoansPayableGrp/EOYAmt034450
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt01131 N STATE STREET
IRS990/USAddress/CityNm0ST IGNACE
IRS990/USAddress/StateAbbreviationCd0MI
IRS990/USAddress/ZIPCd049781
IRS990/VotingMembersGoverningBodyCnt010
IRS990/VotingMembersIndependentCnt010
IRS990/WebsiteAddressTxt0HTTPS://WWW.SAINTIGNACE.ORG/
IRS990/WhistleblowerPolicyInd0false
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/DiscussWithPaidPreparerInd0true
ReturnHeader/BusinessOfficerGrp/PersonNm0AIMEE WILLIFORD
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0PRESIDENT
ReturnHeader/BusinessOfficerGrp/PhoneNum09066439380
ReturnHeader/BusinessOfficerGrp/SignatureDt02026-02-24
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0ST IGNACE AREA CHAMBER OF COMMERCE
ReturnHeader/Filer/BusinessNameControlTxt0STIG
ReturnHeader/Filer/EIN0381525853
ReturnHeader/Filer/PhoneNum09066438717
ReturnHeader/Filer/USAddress/AddressLine1Txt0560 N STATE STREET
ReturnHeader/Filer/USAddress/CityNm0ST IGNACE
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MI
ReturnHeader/Filer/USAddress/ZIPCd049781
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0381977929
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0ANDERSONTACKMAN & COMPANY PLC
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt016978 S RILEY AVE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0KINCHELOE
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MI
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/ZIPCd049788
ReturnHeader/PreparerPersonGrp/PhoneNum09064955952
ReturnHeader/PreparerPersonGrp/PreparationDt02026-03-10
ReturnHeader/PreparerPersonGrp/PreparerPersonNm0TORI KRUISE CPA
ReturnHeader/ReturnTs02026-03-10T09:51:05-04:00
ReturnHeader/ReturnTypeCd0990
ReturnHeader/TaxPeriodBeginDt02025-01-01
ReturnHeader/TaxPeriodEndDt02025-12-31
ReturnHeader/TaxYr02025

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