Civic Intelligence

Women'S Division Chamber of Commerce

990 • Fiscal year 2024 • EIN 38-2195355

Jun 01, 2023 to May 31, 2024 • Filed on Feb 11, 2025

PO Box 1665Muskegon, MI 49443

(231) 744-2747

Siviq Scores

Precomputed percentiles for this filing year versus similar nonprofits in the same peer cohort.

Liabilities / Assets

25th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2024 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2024

Liabilities / Revenue

25th percentile

0.00x

Tied with the lowest-debt nonprofits in its peer group.

2024 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2024

Net Margin

33rd percentile

-1.3%

Higher net margin than 33% of similar nonprofits.

2024 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2024

Top Officer Pay

49th percentile

$0

Higher top officer pay than 49% of similar nonprofits.

Top officer pay equals 0.0% of source-year revenue.

2024 filings • 501(c)6 • $500k-$1M nonprofits • Source year 2024

Asset Growth

31st percentile

-1.7%

Faster asset growth than 31% of similar nonprofits.

2024 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Revenue Growth

21st percentile

-6.0%

Faster revenue growth than 21% of similar nonprofits.

2024 filings • 501(c)6 • $500k-$1M nonprofits • Annualized from 2023 to 2024

Assets

Down

$238,608

Down $4,032 (-1.7%) from 2023

Net Assets

Down

$238,608

Down $4,032 (-1.7%) from 2023

Liabilities

Flat

$0

Flat from 2023

Revenue

Down

$305,448

Down $19,410 (-6.0%) from 2023

Expenses

Down

$309,480

Down $8,814 (-2.8%) from 2023

Net Income

Down

-$4,032

Down $10,596 (-161%) from 2023

Historical Trend

Balance Sheet Trend

The highlighted filing sits inside the broader history for assets, liabilities, and net assets.

$300K$200K$100K$0Assets 2011: $138,725Liabilities 2011: $02011Assets 2012: $120,841Liabilities 2012: $0Net Assets 2012: $120,8412012Assets 2013: $132,649Liabilities 2013: $0Net Assets 2013: $132,6492013Assets 2014: $111,426Liabilities 2014: $0Net Assets 2014: $111,4262014Assets 2015: $127,756Liabilities 2015: $0Net Assets 2015: $127,7562015Assets 2016: $127,437Liabilities 2016: $0Net Assets 2016: $127,4372016Assets 2017: $142,131Liabilities 2017: $0Net Assets 2017: $142,1312017Assets 2018: $149,133Liabilities 2018: $0Net Assets 2018: $149,1332018Assets 2019: $164,286Liabilities 2019: $0Net Assets 2019: $164,2862019Assets 2020: $184,095Liabilities 2020: $0Net Assets 2020: $184,0952020Assets 2021: $146,669Liabilities 2021: $0Net Assets 2021: $146,6692021Assets 2022: $236,076Liabilities 2022: $0Net Assets 2022: $236,0762022Assets 2023: $242,640Liabilities 2023: $0Net Assets 2023: $242,6402023Assets 2024: $238,608Liabilities 2024: $0Net Assets 2024: $238,6082024Assets 2025: $235,756Liabilities 2025: $0Net Assets 2025: $235,7562025

Highlighted filing

2024

Assets$238,608
Liabilities$0
Net Assets$238,608

Operations Trend

Revenue, expenses, and net income across loaded years, with this filing highlighted.

$600K$400K$200K$0-$200KRevenue 2011: $154,675Expenses 2011: $119,914Net Income 2011: $34,7612011Expenses 2012: $200,3762012Revenue 2013: $195,318Expenses 2013: $183,510Net Income 2013: $11,8082013Revenue 2014: $190,331Expenses 2014: $211,554Net Income 2014: -$21,2232014Revenue 2015: $219,873Expenses 2015: $203,543Net Income 2015: $16,3302015Revenue 2016: $211,904Expenses 2016: $212,223Net Income 2016: -$3192016Revenue 2017: $232,213Expenses 2017: $217,519Net Income 2017: $14,6942017Revenue 2018: $273,215Expenses 2018: $266,213Net Income 2018: $7,0022018Revenue 2019: $239,552Expenses 2019: $224,399Net Income 2019: $15,1532019Revenue 2020: $262,408Expenses 2020: $242,599Net Income 2020: $19,8092020Revenue 2021: $112,012Expenses 2021: $149,438Net Income 2021: -$37,4262021Revenue 2022: $352,838Expenses 2022: $263,431Net Income 2022: $89,4072022Revenue 2023: $324,858Expenses 2023: $318,294Net Income 2023: $6,5642023Revenue 2024: $305,448Expenses 2024: $309,480Net Income 2024: -$4,0322024Revenue 2025: $398,654Expenses 2025: $401,506Net Income 2025: -$2,8522025

Highlighted filing

2024

Revenue$305,448
Expenses$309,480
Net Income-$4,032
Jump To
Filing Snapshot
Filing Period
Jun 1, 2023 to May 31, 2024
Signed
Feb 11, 2025
Return Version
2023v6.0
Gross Receipts
$502,779
Mission and Program Overview

Mission

Activities to create civic consciousness & encourage/aid community development, idea exchange, women's orgs networking and government participation.

SCHEDULE O

Balance Sheet Detail
LineBeginningEndChange
Assets
Cash and Non-Interest-Bearing Accounts$141,033$130,244▼ $10,789
Savings and Temporary Cash Investments$80,695$87,452▲ $6,757
Total Assets$242,640$238,608▼ $4,032
Other Assets Total$20,912$20,912→ $0
Liabilities
Total Liabilities$0$0→ $0
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$242,640$238,608▼ $4,032
Total Net Assets Fund Balance$242,640$238,608▼ $4,032
Total Liabilities and Net Assets / Fund Balance$242,640$238,608▼ $4,032

Asset Categories

AssetBook ValueDepreciationBasis
Other Assets Org$20,912--
Compensation and Service Providers

Board Members and Trustees

NameTitle
Erin VanderwierPresident
Mary SuarezVice President
Barbara MorrisonDirector
Betty KinneyDirector
Bonnie BrownDirector
Caroline ShircliffDirector
Cindy TimmermanDirector
Laura MartinDirector
Lisa LuckyDirector
Lynnette LipanDirector
Sharon MathesDirector
Cecelia TaylorCorr Secretary
Farrah StarrEx-officio
Marilyn FortonRec. Secretary
Mary KendallTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$0
Program Service Revenue
$34,247
Investment Income
$256
Other Revenue
$270,945
Change in Net Assets
$-4,032
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Grants and Similar Amounts Paid$263,958
Other Expenses$45,522
Professional Fundraising Fees$0
Salaries, Compensation, and Employee Benefits$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Grants to Domestic Orgs$263,958--$263,958
Insurance-$1,798-$1,798
Other Expenses-$576-$576
All Other Expenses-$524-$524
Total Functional Expenses$263,958$45,522$0$309,480
International Activity

Grant and Assistance Recipients

RecipientLocationCategoryPurposeAmount
Love IncMuskegon, MI-Operations$33,100
AgewellMuskegon, MI-Operations$22,500
Muskegon Rescue MissionMuskegon, MI-Operations$22,500
Mission for Area PeopleMuskegon, MI-Operations$12,990
Catholic CharitiesMuskegon, MI-Operations$10,000
Pioneer ResourcesMuskegon, MI-Operations$9,000
Kids Food BasketMuskegon, MI-Operations$8,000
Supper HouseMuskegon, MI-Operations$7,500
City Heart MinistriesMuskegon, MI-Operations$7,000
Every Womens PlaceMuskegon, MI-Operations$7,000
Muskegon Community CollegeMuskegon, MI-Operations$7,000
Boys and Girls ClubMuskegon, MI-Operations$6,000
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$466,217
Fundraising Direct Expenses$197,331
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Dancing With the Local Stars$313,276$313,276-$313,276
Ways & Means Fundraisers$152,941$152,941-$152,941
Total Events$466,217$466,217$197,331$268,886
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
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
No
Audited financial statements prepared
No
Key decisions subject to board approval
No
Management duties delegated
No

Governance Explanations

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

Copy of return provided to board prior to filing.

Form 990, Part VI, Section C, Line 19

Available upon request from board of directors.

Filing and Contact Details

Filer

Filer Name
WOMEN'S DIVISION CHAMBER OF COMMERCE
EIN
38-2195355
Phone
2317442747
Address
PO BOX 1665, MUSKEGON, MI 49443

Signing Officer

Name
Mary Kendall
Title
Treasurer
Phone
2317442747
Signed
2025-02-11
Discuss with paid preparer
Yes

Organization Details

Principal Officer
Kathi Upman
Formed
1991
Legal Domicile
Mi
Voting Board Members
15
Independent Board Members
15
Employees
0
Volunteers
0

Preparer

Firm
Hungerford Cpas Advisors
Address
4927 STARIHA DRIVE, MUSKEGON, MI 49441
Preparer
Stacy L Mellema CPA
Phone
2317987500
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IRS990/PYSalariesCompEmpBnftPaidAmt00
IRS990/PYTotalExpensesAmt0318294
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0324858
IRS990/ReconcilationRevenueExpnssAmt0-4032
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd01
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/SavingsAndTempCashInvstGrp/BOYAmt080695
IRS990/SavingsAndTempCashInvstGrp/EOYAmt087452
IRS990/ScheduleBRequiredInd00
IRS990ScheduleD/OtherAssetsOrgGrp/BookValueAmt020912
IRS990ScheduleD/OtherAssetsOrgGrp/Desc0NATIVITY DISPLAY FIGURES
IRS990ScheduleD/TotalBookValueLandBuildingsAmt00
IRS990ScheduleD/TotalBookValueOtherAssetsAmt020912
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt0197331
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0DANCING WITH THE LOCAL STARS
IRS990ScheduleG/FundraisingEventInformationGrp/Event2Nm0WAYS & MEANS FUNDRAISERS
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt0313276
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt0152941
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt0466217
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt0313276
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent2Amt0152941
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt0466217
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt0268886
IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent1Amt0112171
IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent2Amt085160
IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsTotalEventsAmt0197331
IRS990ScheduleI/GrantRecordsMaintainedInd01
IRS990ScheduleI/RecipientTable/CashGrantAmt022500
IRS990ScheduleI/RecipientTable/CashGrantAmt16000
IRS990ScheduleI/RecipientTable/CashGrantAmt210000
IRS990ScheduleI/RecipientTable/CashGrantAmt37000
IRS990ScheduleI/RecipientTable/CashGrantAmt47000
IRS990ScheduleI/RecipientTable/CashGrantAmt58000
IRS990ScheduleI/RecipientTable/CashGrantAmt633100
IRS990ScheduleI/RecipientTable/CashGrantAmt712990
IRS990ScheduleI/RecipientTable/CashGrantAmt87000
IRS990ScheduleI/RecipientTable/CashGrantAmt922500
IRS990ScheduleI/RecipientTable/CashGrantAmt109000
IRS990ScheduleI/RecipientTable/CashGrantAmt117500
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt00
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt10
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt20
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt30
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt40
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt50
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt60
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt70
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt80
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt90
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt100
IRS990ScheduleI/RecipientTable/NonCashAssistanceAmt110
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt0OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt1OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt2OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt3OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt4OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt5OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt6OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt7OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt8OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt9OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt10OPERATIONS
IRS990ScheduleI/RecipientTable/PurposeOfGrantTxt11OPERATIONS
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt0AGEWELL
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt1BOYS AND GIRLS CLUB
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt2CATHOLIC CHARITIES
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt3CITY HEART MINISTRIES
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt4EVERY WOMENS PLACE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt5KIDS FOOD BASKET
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt6LOVE INC
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt7MISSION FOR AREA PEOPLE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt8MUSKEGON COMMUNITY COLLEGE
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt9MUSKEGON RESCUE MISSION
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt10PIONEER RESOURCES
IRS990ScheduleI/RecipientTable/RecipientBusinessName/BusinessNameLine1Txt11SUPPER HOUSE
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt0MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt1MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt2MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt3MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt4MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt5MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt6MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt7MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt8MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt9MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt10MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/AddressLine1Txt11MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm0MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm1MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm2MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm3MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm4MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm5MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm6MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm7MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm8MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm9MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm10MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/CityNm11MUSKEGON
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd0MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd1MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd2MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd3MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd4MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd5MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd6MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd7MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd8MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd9MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd10MI
IRS990ScheduleI/RecipientTable/USAddress/StateAbbreviationCd11MI
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd049440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd149440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd249440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd349440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd449440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd549440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd649440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd749440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd849440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd949440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd1049440
IRS990ScheduleI/RecipientTable/USAddress/ZIPCd1149440
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0COPY OF RETURN PROVIDED TO BOARD PRIOR TO FILING.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1AVAILABLE UPON REQUEST FROM BOARD OF DIRECTORS.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B

Document Assets

No mirrored PDF or thumbnail assets are attached yet.

Filings

Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2025Detailed filing. Detailed filing data is available for this year.$2.36$0.00$2.36$3.99$4.02$0.03
2024Detailed filing. Detailed filing data is available for this year.$2.39$0.00$2.39$3.05$3.09$0.04
2023XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$2.43$0.00$2.43$3.25$3.18$0.07
2022Facts available. Structured filing facts are available, but richer extracted sections are limited.$2.36$0.00$2.36$3.53$2.63$0.89
2021Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.47$0.00$1.47$1.12$1.49$0.37
2020XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.84$0.00$1.84$2.62$2.43$0.20
2019XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.64$0.00$1.64$2.40$2.24$0.15
2018XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.49$0.00$1.49$2.73$2.66$0.07
2017XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.42$0.00$1.42$2.32$2.18$0.15
2016Detailed filing. Detailed filing data is available for this year.$1.27$0.00$1.27$2.12$2.12$0.00
2015Detailed filing. Detailed filing data is available for this year.$1.28$0.00$1.28$2.20$2.04$0.16
2014Detailed filing. Detailed filing data is available for this year.$1.11$0.00$1.11$1.90$2.12$0.21
2013XML pending. An XML filing is linked for this year, but detailed extraction is still pending.$1.33$0.00$1.33$1.95$1.84$0.12
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$1.21$0.00$1.21$2.00
2011Summary only. Only limited summary data is available for this year.$1.39$0.00$1.55$1.20$0.35