Civic Intelligence

North 65 Chamber of Commerce Inc

EIN 47-3357921 • 501(c)6 • Isanti, MN

Profile

To advance the general welfare and prosperity of the economic area of isanti county minnesota and the regional market extending there from so that its citizens and the business community shall be benefitted.

2 Enterprise Ave NE Ste C4 C4Isanti, MN 55040

www.north65chamber.com

Siviq Scores

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

Liabilities / Assets

49th percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2024

Liabilities / Revenue

51st percentile

0.00x

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

501(c)6 • <$500k nonprofits • Source year 2024

Net Margin

39th percentile

-4.7%

Higher net margin than 39% of similar nonprofits.

501(c)6 • <$500k nonprofits • Source year 2024

Top Officer Pay

89th percentile

$48,952

Higher top officer pay than 89% of similar nonprofits.

Top officer pay equals 29.7% of source-year revenue.

501(c)6 • <$500k nonprofits • Source year 2024

Asset Growth

27th percentile

-19%

Faster asset growth than 27% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Revenue Growth

53rd percentile

1.2%

Faster revenue growth than 53% of similar nonprofits.

501(c)6 • <$500k nonprofits • Annualized from 2023 to 2024

Balance Sheet
Liabilities / Assets49th percentile

Assets

Down

$75,215

Down $17,665 (-19%) from 2023

Liabilities

Down

$0

Down $31 (-100%) from 2023

Net Assets

Down

$75,215

Down $17,634 (-19%) from 2023

Operations
Liabilities / Revenue51st percentileNet Margin39th percentile

Revenue

Up

$165,044

Up $1,952 (+1.2%) from 2023

Expenses

Up

$172,751

Up $12,329 (+7.7%) from 2023

Net Income

Down

-$7,707

Down $10,377 (-389%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth27th percentile

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

$100K$50K$0-$50KAssets 2015: $4,492Liabilities 2015: $6,842Net Assets 2015: -$2,3502015Assets 2016: $11,230Liabilities 2016: $8,801Net Assets 2016: $2,4292016Assets 2017: $9,532Liabilities 2017: $4,798Net Assets 2017: $4,7342017Assets 2018: $7,393Liabilities 2018: $0Net Assets 2018: $7,3932018Assets 2019: $23,368Liabilities 2019: $0Net Assets 2019: $23,3682019Assets 2020: $67,626Liabilities 2020: $440Net Assets 2020: $67,1862020Assets 2021: $98,524Liabilities 2021: $458Net Assets 2021: $98,0662021Assets 2022: $92,465Liabilities 2022: $82Net Assets 2022: $92,3832022Assets 2023: $92,880Liabilities 2023: $31Net Assets 2023: $92,8492023Assets 2024: $75,215Liabilities 2024: $0Net Assets 2024: $75,2152024

Highlighted filing

2024

Assets$75,215
Liabilities$0
Net Assets$75,215
Open 2024 Filing

Operations Trend

Revenue Growth53rd percentile

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

$200K$150K$100K$50K$0-$50KRevenue 2015: $28,168Expenses 2015: $25,484Net Income 2015: $2,6842015Revenue 2016: $122,724Expenses 2016: $117,945Net Income 2016: $4,7792016Revenue 2017: $112,078Expenses 2017: $112,085Net Income 2017: -$72017Revenue 2018: $120,618Expenses 2018: $117,526Net Income 2018: $3,0922018Revenue 2019: $135,938Expenses 2019: $120,418Net Income 2019: $15,5202019Revenue 2020: $87,928Expenses 2020: $48,589Net Income 2020: $39,3392020Revenue 2021: $137,874Expenses 2021: $106,994Net Income 2021: $30,8802021Revenue 2022: $137,154Expenses 2022: $142,837Net Income 2022: -$5,6832022Revenue 2023: $163,092Expenses 2023: $160,422Net Income 2023: $2,6702023Revenue 2024: $165,044Expenses 2024: $172,751Net Income 2024: -$7,7072024

Highlighted filing

2024

Revenue$165,044
Expenses$172,751
Net Income-$7,707
Open 2024 Filing

Filings

Most recent year

2024 • Form 990Detailed filing. Detailed filing data is available for this year.

Open filing
Assets
$75,215
Liabilities
$0
Net assets
$75,215
Revenue
$165,044
Expenses
$172,751
Net income
-$7,707
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$0.75$0.00$0.75$1.65$1.73$0.08
2023Detailed filing. Detailed filing data is available for this year.$0.93$0.00$0.93$1.63$1.60$0.03
2022Detailed filing. Detailed filing data is available for this year.$0.92$0.00$0.92$1.37$1.43$0.06
2021Detailed filing. Detailed filing data is available for this year.$0.99$0.00$0.98$1.38$1.07$0.31
2020Facts available. Structured filing facts are available, but richer extracted sections are limited.$0.68$0.00$0.67$0.88$0.49$0.39
2019Detailed filing. Detailed filing data is available for this year.$0.23$0.00$0.23$1.36$1.20$0.16
2018Detailed filing. Detailed filing data is available for this year.$0.07$0.00$0.07$1.21$1.18$0.03
2017Detailed filing. Detailed filing data is available for this year.$0.10$0.05$0.05$1.12$1.12$0.00
2016Summary only. Only limited summary data is available for this year.$0.11$0.09$0.02$1.23$1.18$0.05
2015Summary only. Only limited summary data is available for this year.$0.04$0.07$0.02$0.28$0.25$0.03
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
May 13, 2025
Return Version
2024v5.1
Gross Receipts
$192,739
Mission and Program Overview

Mission

To work toward the improvement of the overall business climate in the local region, to be politically informed and to be actively involved in promoting economic development.

To advance the general welfare and prosperity of the economic area of isanti county minnesota and the regional market extending there from so that its citizens and the business community shall be benefitted.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$105$45,105▲ $45,000
Cash and Non-Interest-Bearing Accounts$92,710$29,930▼ $62,780
Accounts Receivable$65$180▲ $115
Total Assets$92,880$75,215▼ $17,665
Liabilities
Accounts Payable and Accrued Expenses$31--
Total Liabilities$31$0▼ $31
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$92,849$75,215▼ $17,634
Total Net Assets Fund Balance$92,849$75,215▼ $17,634
Total Liabilities and Net Assets / Fund Balance$92,880$75,215▼ $17,665
Compensation and Service Providers
Top Officer Pay89th percentile

Employees

NameTitleFull / Part TimeBaseOtherTotal
Melissa BettendorfExecutive DirectorPT$47,526$1,426$48,952

Board Members and Trustees

NameTitle
Ashley SieversDirector (beg 7/1)/ Chair
Allen GoldsmithChair (beg 7/1)/ Vice Chair
Nikkita OstromVice Chair(beg 7/1)/director
Christi PatrickDirector
Damon PatrickDirector
Julie PageDirector
Justin DominoDirector
Lon LaneDirector
Victoria SvobodaDirector
Ashlee AaserDirector(beg 7/1)/secretary
Rebecca TretheweySecretary(beg 7/1)/director
Chris KampaTreasurer
Revenue and Support

Revenue Composition

Contributions and Grants
$97,143
Program Service Revenue
$34,903
Investment Income
$40
Other Revenue
$32,958
Change in Net Assets
$-7,707
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Salaries, Compensation, and Employee Benefits$110,894
Other Expenses$61,857
Total Fundraising Expense$11,497
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Other Salaries and Wages$30,568$10,190$11,497$52,255
Current Officers, Directors, Trustees, and Key Employees$33,268$15,684-$48,952
Occupancy$752$12,873-$13,625
Office Expenses$5,006$4,479-$9,485
Payroll Taxes-$7,952-$7,952
Fees for Services Accounting-$7,936-$7,936
Information Technology$4,047--$4,047
Fees for Services Other-$3,991-$3,991
Insurance$947$1,702-$2,649
Other Employee Benefits-$1,735-$1,735
Other Expenses$1,326$794-$1,326
All Other Expenses$246--$246
Total Functional Expenses$93,918$67,336$11,497$172,751
Fundraising, Events, and Gaming
Fundraising activities
Yes
Gaming activities
No
Professional fundraiser used
No

Fundraising and Gaming Totals

Line ItemAmount
Fundraising Gross Income$60,653
Fundraising Direct Expenses$27,695
Professional Fundraising Fees$0

Fundraising Events

EventGross ReceiptsGross RevenueDirect ExpensesNet Income
Isanti Jubilee$27,093$27,093$6,392$20,701
Golf Outing$11,145$11,145$1,559$9,586
Total Events$60,653$60,653$27,695$32,958
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

“No review was or will be conducted.”

Form 990, Part VI, Section C, Line 19

“No documents available to the public.”

Filing and Contact Details

Filer

Filer Name
North 65 Chamber of Commerce Inc
EIN
47-3357921
Phone
7636892505
Address
2 ENTERPRISE AVE NE STE C4 C4, ISANTI, MN 55040

Signing Officer

Name
Melissa Bettendorf
Title
Executive Director
Phone
7636892505
Signed
2025-05-13

Organization Details

Principal Officer
Melissa Bettendorf
Formed
2015
Legal Domicile
Mn
Voting Board Members
4
Independent Board Members
4
Employees
4
Volunteers
0

Preparer

Firm
Smith Schafer & Associates Ltd
Address
7500 HIGHWAY 55 SUITE 350, MINNEAPOLIS, MN 55427
Preparer
Sammie Jo Engelmann CPA
Phone
9529201455
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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/PayrollTaxesGrp/ManagementAndGeneralAmt07952
IRS990/PayrollTaxesGrp/TotalAmt07952
IRS990/PoliticalCampaignActyInd00
IRS990/PrincipalOfficerNm0MELISSA BETTENDORF
IRS990/PriorPeriodAdjustmentsAmt0-9927
IRS990/ProfessionalFundraisingInd00
IRS990/ProgramServiceRevenueGrp/BusinessCd0813910
IRS990/ProgramServiceRevenueGrp/BusinessCd1813910
IRS990/ProgramServiceRevenueGrp/BusinessCd2813910
IRS990/ProgramServiceRevenueGrp/BusinessCd3813910
IRS990/ProgramServiceRevenueGrp/Desc0NEW RESIDENT MAILING
IRS990/ProgramServiceRevenueGrp/Desc1NETWORKING
IRS990/ProgramServiceRevenueGrp/Desc2OTHER INCOME
IRS990/ProgramServiceRevenueGrp/Desc3CHAMBER BUCKS
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt013030
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt110550
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt29663
IRS990/ProgramServiceRevenueGrp/RelatedOrExemptFuncIncomeAmt31660
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt013030
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt110550
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt29663
IRS990/ProgramServiceRevenueGrp/TotalRevenueColumnAmt31660
IRS990/ProhibitedTaxShelterTransInd00
IRS990/PYBenefitsPaidToMembersAmt00
IRS990/PYContributionsGrantsAmt095888
IRS990/PYGrantsAndSimilarPaidAmt00
IRS990/PYInvestmentIncomeAmt048
IRS990/PYOtherExpensesAmt056816
IRS990/PYOtherRevenueAmt034181
IRS990/PYProgramServiceRevenueAmt032975
IRS990/PYRevenuesLessExpensesAmt02670
IRS990/PYSalariesCompEmpBnftPaidAmt0103606
IRS990/PYTotalExpensesAmt0160422
IRS990/PYTotalProfFndrsngExpnsAmt00
IRS990/PYTotalRevenueAmt0163092
IRS990/ReconcilationRevenueExpnssAmt0-7707
IRS990/RelatedEntityInd00
IRS990/RelatedOrganizationCtrlEntInd00
IRS990/ReportInvestmentsOtherSecInd00
IRS990/ReportLandBuildingEquipmentInd00
IRS990/ReportOtherAssetsInd00
IRS990/ReportOtherLiabilitiesInd00
IRS990/ReportProgramRelatedInvstInd00
IRS990/RevenueAmt034903
IRS990/SavingsAndTempCashInvstGrp/BOYAmt0105
IRS990/SavingsAndTempCashInvstGrp/EOYAmt045105
IRS990/ScheduleBRequiredInd00
IRS990ScheduleG/FundraisingEventInformationGrp/CashPrizesOtherEventsAmt0250
IRS990ScheduleG/FundraisingEventInformationGrp/CashPrizesTotalEventsAmt0250
IRS990ScheduleG/FundraisingEventInformationGrp/DirectExpenseSummaryEventsAmt027695
IRS990ScheduleG/FundraisingEventInformationGrp/EntertainmentEvent1Amt01690
IRS990ScheduleG/FundraisingEventInformationGrp/EntertainmentEvent2Amt07178
IRS990ScheduleG/FundraisingEventInformationGrp/EntertainmentOtherEventsAmt0300
IRS990ScheduleG/FundraisingEventInformationGrp/EntertainmentTotalEventsAmt09168
IRS990ScheduleG/FundraisingEventInformationGrp/Event1Nm0GOLF OUTING
IRS990ScheduleG/FundraisingEventInformationGrp/Event2Nm0ISANTI JUBILEE
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent1Amt01314
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageEvent2Amt0143
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageOtherEventsAmt03946
IRS990ScheduleG/FundraisingEventInformationGrp/FoodAndBeverageTotalEventsAmt05403
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent1Amt011145
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsEvent2Amt027093
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsOtherEventsAmt022415
IRS990ScheduleG/FundraisingEventInformationGrp/GrossReceiptsTotalAmt060653
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent1Amt011145
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueEvent2Amt027093
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueOtherEventsAmt022415
IRS990ScheduleG/FundraisingEventInformationGrp/GrossRevenueTotalEventsAmt060653
IRS990ScheduleG/FundraisingEventInformationGrp/NetIncomeSummaryAmt032958
IRS990ScheduleG/FundraisingEventInformationGrp/NonCashPrizesEvent1Amt052
IRS990ScheduleG/FundraisingEventInformationGrp/NonCashPrizesEvent2Amt0400
IRS990ScheduleG/FundraisingEventInformationGrp/NonCashPrizesTotalEventsAmt0452
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssOtherEventsAmt0941
IRS990ScheduleG/FundraisingEventInformationGrp/OthDirectExpnssTotalEventsAmt08892
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent1Amt01559
IRS990ScheduleG/FundraisingEventInformationGrp/OtherDirectExpensesEvent2Amt06392
IRS990ScheduleG/FundraisingEventInformationGrp/OtherEventsTotalCnt01
IRS990ScheduleG/FundraisingEventInformationGrp/RentFacilityCostsEvent2Amt01265
IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsOtherEventsAmt02265
IRS990ScheduleG/FundraisingEventInformationGrp/RentFcltyCostsTotalEventsAmt03530
IRS990/ScheduleJRequiredInd00
IRS990/ScheduleORequiredInd01
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt0NO REVIEW WAS OR WILL BE CONDUCTED.
IRS990ScheduleO/SupplementalInformationDetail/ExplanationTxt1NO DOCUMENTS AVAILABLE TO THE PUBLIC.
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc0FORM 990, PART VI, SECTION B, LINE 11B
IRS990ScheduleO/SupplementalInformationDetail/FormAndLineReferenceDesc1FORM 990, PART VI, SECTION C, LINE 19
IRS990/SchoolOperatingInd00
IRS990/SignificantChangeInd00
IRS990/SignificantNewProgramSrvcInd00
IRS990/StatesWhereCopyOfReturnIsFldCd0MN
IRS990/SubjectToExcsTaxNetInvstIncInd00
IRS990/SubjectToProxyTaxInd00
IRS990/SubjToTaxRmnrtnExPrchtPymtInd00
IRS990/TaxablePartyNotificationInd00
IRS990/TaxExemptBondsInd00
IRS990/TerminateOperationsInd00
IRS990/TotalAssetsBOYAmt092880
IRS990/TotalAssetsEOYAmt075215
IRS990/TotalAssetsGrp/BOYAmt092880
IRS990/TotalAssetsGrp/EOYAmt075215
IRS990/TotalCompGreaterThan150KInd00
IRS990/TotalContributionsAmt097143
IRS990/TotalEmployeeCnt04
IRS990/TotalFunctionalExpensesGrp/FundraisingAmt011497
IRS990/TotalFunctionalExpensesGrp/ManagementAndGeneralAmt067336
IRS990/TotalFunctionalExpensesGrp/ProgramServicesAmt093918
IRS990/TotalFunctionalExpensesGrp/TotalAmt0172751
IRS990/TotalGrossUBIAmt00
IRS990/TotalLiabilitiesBOYAmt031
IRS990/TotalLiabilitiesEOYAmt00
IRS990/TotalLiabilitiesGrp/BOYAmt031
IRS990/TotalLiabilitiesGrp/EOYAmt00
IRS990/TotalNetAssetsFundBalanceGrp/BOYAmt092849
IRS990/TotalNetAssetsFundBalanceGrp/EOYAmt075215
IRS990/TotalOtherCompensationAmt01426
IRS990/TotalProgramServiceExpensesAmt093918
IRS990/TotalProgramServiceRevenueAmt034903
IRS990/TotalReportableCompFromOrgAmt047526
IRS990/TotalRevenueGrp/ExclusionAmt032998
IRS990/TotalRevenueGrp/RelatedOrExemptFuncIncomeAmt034903
IRS990/TotalRevenueGrp/TotalRevenueColumnAmt0165044
IRS990/TotalRevenueGrp/UnrelatedBusinessRevenueAmt00
IRS990/TotalVolunteersCnt00
IRS990/TotLiabNetAssetsFundBalanceGrp/BOYAmt092880
IRS990/TotLiabNetAssetsFundBalanceGrp/EOYAmt075215
IRS990/TotReportableCompRltdOrgAmt00
IRS990/TypeOfOrganizationCorpInd0X
IRS990/UnrelatedBusIncmOverLimitInd00
IRS990/UponRequestInd0X
IRS990/USAddress/AddressLine1Txt02 ENTERPRISE AVE NE STE C4 C4
IRS990/USAddress/CityNm0ISANTI
IRS990/USAddress/StateAbbreviationCd0MN
IRS990/USAddress/ZIPCd055040
IRS990/VotingMembersGoverningBodyCnt04
IRS990/VotingMembersIndependentCnt04
IRS990/WebsiteAddressTxt0WWW.NORTH65CHAMBER.COM
IRS990/WhistleblowerPolicyInd00
ReturnHeader/BuildTS02025-03-06 01:10:19Z
ReturnHeader/BusinessOfficerGrp/PersonNm0MELISSA BETTENDORF
ReturnHeader/BusinessOfficerGrp/PersonTitleTxt0EXECUTIVE DIRECTOR
ReturnHeader/BusinessOfficerGrp/PhoneNum07636892505
ReturnHeader/BusinessOfficerGrp/SignatureDt02025-05-13
ReturnHeader/Filer/BusinessName/BusinessNameLine1Txt0NORTH 65 CHAMBER OF COMMERCE INC
ReturnHeader/Filer/BusinessNameControlTxt0NORT
ReturnHeader/Filer/EIN0473357921
ReturnHeader/Filer/PhoneNum07636892505
ReturnHeader/Filer/USAddress/AddressLine1Txt02 ENTERPRISE AVE NE STE C4 C4
ReturnHeader/Filer/USAddress/CityNm0ISANTI
ReturnHeader/Filer/USAddress/StateAbbreviationCd0MN
ReturnHeader/Filer/USAddress/ZIPCd055040
ReturnHeader/IRSResponsiblePrtyInfoCurrInd01
ReturnHeader/PreparerFirmGrp/PreparerFirmEIN0411489071
ReturnHeader/PreparerFirmGrp/PreparerFirmName/BusinessNameLine1Txt0SMITH SCHAFER & ASSOCIATES LTD
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/AddressLine1Txt07500 HIGHWAY 55 SUITE 350
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/CityNm0MINNEAPOLIS
ReturnHeader/PreparerFirmGrp/PreparerUSAddress/StateAbbreviationCd0MN

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