Civic Intelligence

Lake Norman Chamber of Commerce

EIN 56-1574848 • 501(c)6 • Cornelius, NC

Profile

To provide services for and promote the business activities of its members.

19900 W Catawba Ave Ste 101Cornelius, NC 28031

www.lakenormanchamber.org

Siviq Scores

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

Liabilities / Assets

33rd percentile

0.01x

Higher debt load relative to assets than 33% of similar nonprofits.

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

Liabilities / Revenue

33rd percentile

0.00x

Higher debt load relative to revenue than 33% of similar nonprofits.

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

Net Margin

70th percentile

12%

Higher net margin than 70% of similar nonprofits.

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

Top Officer Pay

65th percentile

$88,497

Higher top officer pay than 65% of similar nonprofits.

Top officer pay equals 14.7% of source-year revenue.

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

Asset Growth

71st percentile

13%

Faster asset growth than 71% of similar nonprofits.

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

Revenue Growth

82nd percentile

25%

Faster revenue growth than 82% of similar nonprofits.

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

Balance Sheet
Liabilities / Assets33rd percentile

Assets

Up

$558,623

Up $64,256 (+13%) from 2023

Liabilities

Down

$2,857

Down $7,427 (-72%) from 2023

Net Assets

Up

$555,766

Up $71,683 (+15%) from 2023

Operations
Liabilities / Revenue33rd percentileNet Margin70th percentile

Revenue

Up

$600,956

Up $121,260 (+25%) from 2023

Expenses

Up

$529,273

Up $65,438 (+14%) from 2023

Net Income

Up

$71,683

Up $55,822 (+352%) from 2023

Trend Graphs

Balance Sheet Trend

Asset Growth71st percentile

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

$1.0M$500K$0Assets 2010: $901,555Liabilities 2010: $562,000Net Assets 2010: $339,5552010Assets 2011: $881,732Liabilities 2011: $565,799Net Assets 2011: $315,9332011Assets 2012: $860,607Liabilities 2012: $528,360Net Assets 2012: $332,2472012Assets 2013: $817,106Liabilities 2013: $541,460Net Assets 2013: $275,6462013Assets 2014: $820,235Liabilities 2014: $524,197Net Assets 2014: $296,0382014Assets 2015: $781,187Liabilities 2015: $500,033Net Assets 2015: $281,1542015Assets 2016: $738,472Liabilities 2016: $480,982Net Assets 2016: $257,4902016Assets 2017: $694,044Liabilities 2017: $456,467Net Assets 2017: $237,5772017Assets 2018: $701,731Liabilities 2018: $10,724Net Assets 2018: $691,0072018Assets 2019: $593,551Liabilities 2019: $9,714Net Assets 2019: $583,8372019Assets 2020: $488,518Liabilities 2020: $14,402Net Assets 2020: $474,1162020Assets 2021: $486,969Liabilities 2021: $6,429Net Assets 2021: $480,5402021Assets 2022: $478,507Liabilities 2022: $10,285Net Assets 2022: $468,2222022Assets 2023: $494,367Liabilities 2023: $10,284Net Assets 2023: $484,0832023Assets 2024: $558,623Liabilities 2024: $2,857Net Assets 2024: $555,7662024

Highlighted filing

2024

Assets$558,623
Liabilities$2,857
Net Assets$555,766
Open 2024 Filing

Operations Trend

Revenue Growth82nd percentile

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

$1.0M$500K$0-$500KRevenue 2010: $400,082Expenses 2010: $410,132Net Income 2010: -$10,0502010Revenue 2011: $430,269Expenses 2011: $453,891Net Income 2011: -$23,6222011Expenses 2012: $435,5272012Revenue 2013: $448,369Expenses 2013: $504,970Net Income 2013: -$56,6012013Revenue 2014: $540,846Expenses 2014: $520,454Net Income 2014: $20,3922014Revenue 2015: $481,261Expenses 2015: $496,145Net Income 2015: -$14,8842015Revenue 2016: $472,523Expenses 2016: $496,187Net Income 2016: -$23,6642016Revenue 2017: $455,125Expenses 2017: $475,038Net Income 2017: -$19,9132017Revenue 2018: $870,950Expenses 2018: $417,520Net Income 2018: $453,4302018Revenue 2019: $348,184Expenses 2019: $455,354Net Income 2019: -$107,1702019Revenue 2020: $309,685Expenses 2020: $419,406Net Income 2020: -$109,7212020Revenue 2021: $418,463Expenses 2021: $412,039Net Income 2021: $6,4242021Revenue 2022: $455,025Expenses 2022: $467,343Net Income 2022: -$12,3182022Revenue 2023: $479,696Expenses 2023: $463,835Net Income 2023: $15,8612023Revenue 2024: $600,956Expenses 2024: $529,273Net Income 2024: $71,6832024

Highlighted filing

2024

Revenue$600,956
Expenses$529,273
Net Income$71,683
Open 2024 Filing

Filings

Most recent year

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

Open filing
Assets
$558,623
Liabilities
$2,857
Net assets
$555,766
Revenue
$600,956
Expenses
$529,273
Net income
$71,683
Balance SheetOperations
YearAssetsLiabilitiesNet AssetsRevenueExpensesNet Income
2024Detailed filing. Detailed filing data is available for this year.$5.59$0.03$5.56$6.01$5.29$0.72
2023Detailed filing. Detailed filing data is available for this year.$4.94$0.10$4.84$4.80$4.64$0.16
2022Detailed filing. Detailed filing data is available for this year.$4.79$0.10$4.68$4.55$4.67$0.12
2021Detailed filing. Detailed filing data is available for this year.$4.87$0.06$4.81$4.18$4.12$0.06
2020Detailed filing. Detailed filing data is available for this year.$4.89$0.14$4.74$3.10$4.19$1.10
2019Detailed filing. Detailed filing data is available for this year.$5.94$0.10$5.84$3.48$4.55$1.07
2018Detailed filing. Detailed filing data is available for this year.$7.02$0.11$6.91$8.71$4.18$4.53
2017Detailed filing. Detailed filing data is available for this year.$6.94$4.56$2.38$4.55$4.75$0.20
2016Detailed filing. Detailed filing data is available for this year.$7.38$4.81$2.57$4.73$4.96$0.24
2015Detailed filing. Detailed filing data is available for this year.$7.81$5.00$2.81$4.81$4.96$0.15
2014Detailed filing. Detailed filing data is available for this year.$8.20$5.24$2.96$5.41$5.20$0.20
2013Detailed filing. Detailed filing data is available for this year.$8.17$5.41$2.76$4.48$5.05$0.57
2012Facts available. Structured filing facts are available, but richer extracted sections are limited.$8.61$5.28$3.32$4.36
2011Summary only. Only limited summary data is available for this year.$8.82$5.66$3.16$4.30$4.54$0.24
2010Summary only. Only limited summary data is available for this year.$9.02$5.62$3.40$4.00$4.10$0.10
Latest Filing Detail
Jump To
Filing Snapshot
Filing Period
Jan 1, 2024 to Dec 31, 2024
Signed
Jun 24, 2025
Return Version
2024v5.0
Gross Receipts
$600,956
Mission and Program Overview

Mission

To provide services for and promote the business activities of its members.

Balance Sheet Detail
LineBeginningEndChange
Assets
Savings and Temporary Cash Investments$446,330$467,716▲ $21,386
Accounts Receivable$2,106$63,355▲ $61,249
Cash and Non-Interest-Bearing Accounts$38,450$19,366▼ $19,084
Land, Buildings, and Equipment, Net$589$449▼ $140
Total Assets$494,367$558,623▲ $64,256
Other Assets Total$6,892$7,737▲ $845
Liabilities
Deferred Revenue$3,019$2,200▼ $819
Accounts Payable and Accrued Expenses$7,265$657▼ $6,608
Total Liabilities$10,284$2,857▼ $7,427
Net Assets / Fund Balance
Net Assets Without Donor Restrictions$484,083$555,766▲ $71,683
Total Net Assets Fund Balance$484,083$555,766▲ $71,683
Total Liabilities and Net Assets / Fund Balance$494,367$558,623▲ $64,256

Asset Categories

AssetBook ValueDepreciationBasis
Equipment$449$92,907$93,356
Compensation and Service Providers
Top Officer Pay65th percentile

Employees

NameTitleFull / Part TimeBaseTotal
William RussellPresident &FT$88,497$88,497
Holly ZienkaBookkeeper-$7,240$7,240

Board Members and Trustees

NameTitle
Jeff TarteBoard Chair
Jim CombsVice Chair B
Brian SissonVice Chair C
Leah B TrowbridgeVice Chair C
April PattersonVice Chair F
Rod BeardVice Chair M
Beth CashionVice Chair P
Alec NattDirector
Beth BledsoeDirector
Bill LeonardDirector
Brandi JonesDirector
Casey BroomeDirector
Dan HoustonDirector
David KeithDirector
Douglas MarionDirector
Edwin QuarlesDirector
John AlexanderDirector
Karen TovarDirector
Lisa BassDirector
Mariano DobleDirector
Nichole BurtonDirector
Pat JacksonDirector
Ryan McdanielsDirector
Sally AshworthDirector
Scott HigginsDirector
Scott T FletcherDirector
Stacie BrightDirector
Tracey StehleDirector
Tracy Mattison BrandonDirector
Revenue and Support

Revenue Composition

Contributions and Grants
$252,891
Program Service Revenue
$246,251
Investment Income
$21,394
Other Revenue
$80,420
Change in Net Assets
$71,683
Expenses and Functional Allocation

Major Expense Lines

Line ItemAmount
Other Expenses$311,654
Salaries, Compensation, and Employee Benefits$217,619
Grants and Similar Amounts Paid$0
Professional Fundraising Fees$0
Total Fundraising Expense$0

Functional Expense Allocation

Line ItemProgramManagementFundraisingTotal
Occupancy---$111,330
Current Officers, Directors, Trustees, and Key Employees---$95,737
Other Salaries and Wages---$88,200
All Other Expenses---$34,016
Other Employee Benefits---$23,094
Advertising---$14,539
Other Expenses---$12,863
Office Expenses---$7,916
Payroll Taxes---$7,864
Fees for Services Legal---$7,240
Insurance---$4,259
Pension Plan Contributions---$2,724
Fees for Services Accounting---$2,338
Depreciation Depletion---$140
Total Functional Expenses$0$0$0$529,273
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
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
Yes
Audited financial statements prepared
No
Key decisions subject to board approval
Yes
Management duties delegated
No

Governance Explanations

Form 990, Page 6, Part VI, Line 7A

“The members have the power to elect members of the governing body.”

Form 990, Page 6, Part VI, Line 7B

“The governance decisions are reserved to members.”

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

“A draft of financials and form 990 are given to chamber prior to finalization and filing.”

Form 990, Page 6, Part VI, Line 12C

“Annually monitoring of board members and requiring disclosure when conflicts arise.”

Form 990, Page 6, Part VI, Line 19

“Documents are available upon request at taxpayer's place of business.”

Filing and Contact Details

Filer

Filer Name
Lake Norman Chamber of Commerce
EIN
56-1574848
Phone
7048921922
Address
19900 W CATAWBA AVE STE 101, CORNELIUS, NC 28031

Signing Officer

Name
William Russell
Title
President & CEO
Phone
7048921922
Signed
2025-06-24
Discuss with paid preparer
Yes

Organization Details

Principal Officer
William Russell
Formed
1989
Legal Domicile
Nc
Voting Board Members
29
Independent Board Members
29
Employees
3

Preparer

Firm
Bgw CPA Pllc
Address
1616 CAMDEN RD STE 510, CHARLOTTE, NC 28203-4756
Preparer
Michelle S Fulcher
Phone
7045520553
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IRS990/Form990PartVIISectionAGrp/TitleTxt0PRESIDENT &
IRS990/Form990PartVIISectionAGrp/TitleTxt1BOOKKEEPER
IRS990/Form990PartVIISectionAGrp/TitleTxt2DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt3DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt4DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt5VICE CHAIR M
IRS990/Form990PartVIISectionAGrp/TitleTxt6DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt7DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt8DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt9DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt10DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt11VICE CHAIR P
IRS990/Form990PartVIISectionAGrp/TitleTxt12VICE CHAIR B
IRS990/Form990PartVIISectionAGrp/TitleTxt13DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt14DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt15DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt16DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt17DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt18DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt19DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt20DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt21DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt22DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt23DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt24VICE CHAIR F
IRS990/Form990PartVIISectionAGrp/TitleTxt25DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt26VICE CHAIR C
IRS990/Form990PartVIISectionAGrp/TitleTxt27DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt28BOARD CHAIR
IRS990/Form990PartVIISectionAGrp/TitleTxt29DIRECTOR
IRS990/Form990PartVIISectionAGrp/TitleTxt30VICE CHAIR C
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IRS990/MinutesOfCommitteesInd0true
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IRS990/MissionDesc0TO PROVIDE SERVICES FOR AND PROMOTE THE BUSINESS ACTIVITIES OF ITS MEMBERS.
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IRS990/PrincipalOfficerNm0WILLIAM RUSSELL
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IRS990/SavingsAndTempCashInvstGrp/BOYAmt0446330

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