Crossroads Northwest Indiana's Chamber
Nonprofit profile at a glance
- EIN
- 356043684
- IRS 990 coverage
- 2011–2025
- Forms available
- Form 990 2025
- Location
- Merrillville, IN, USA
- Phone
- 2197698180
- Rating
- 47
- Verdict
- MIXED
- Rating confidence
- Moderate
Reported finances
- Revenue
- $548,946
- Expenses
- $530,801
- Assets
- $686,763
- Liabilities
- $288,342
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
24 people listed
Executive titles in this filing
- DEANN PATENA (PRESIDENT/CEO)
Highest reported compensation
- DEANN PATENA (PRESIDENT/CEO): $105,680 total reported compensation
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
To work for the betterment of northwest Indiana businesses and communities by promoting economic development, quality business practices, and a voice in public policy and civic pride.
What it reported doing in 2025
The crossroads regional chamber of commerce serves the business community by providing a means to promote businesses located in and around northwest Indiana.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.
The verdict
MIXED - The filed numbers largely add up and program spending has grown recently. A relatively small share of available resources goes toward mission work and some filing-based governance responses are negative or unanswered.
Rating breakdown
- Financial Efficiency: 35
- Transparency & Controls: 76
- Accountability: 16
- Sustainability: 37
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 39.2%; rating input score 39
- Program expense ratio: 40.5%; rating input score 41
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 84.6%; rating input score 85; 2nd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Limited
- Related-party transparency: Limited
Accountability
- Independent voting board: Limited
- Governance controls: 3 of 8 controls in place; rating input score 38
- Conflict-of-interest policy: Pass
- Whistleblower policy: Fail
- Document-retention policy: Fail
- CEO compensation review process: Pass
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: 3.3%; rating input score 40; 40th percentile among comparable filings
- Total-asset coverage ratio: 1.29; rating input score 51; 51st percentile among comparable filings
- Liabilities to assets ratio: 0.42; rating input score 14; 14th percentile among comparable filings
- Officer compensation ratio: 19.9%; rating input score 16; 16th percentile among comparable filings
Growth
- Program expense growth: 5.2% per year; rating input score 100; 37th percentile among comparable filings
- Revenue growth: 1.1% per year; rating input score 100; 15th percentile among comparable filings
- Asset growth: 6% per year; rating input score 100; 40th percentile among comparable filings
Details
- Where the money goes: 39.2% of revenue deployed · 40.5% of spending went to programs
- Governance: 3 of 8 filing controls reported
- Programs: 1 filed program accomplishment
- Leadership: top reported pay $106K · 24 people listed
- Consistency: 23 of 25 current checks pass · 2 findings to review
- Schedules: 4 filed schedules
- Filing history: 14 filing years from 2011 to 2025
- Contacts: How to reach this organization
- Money network: 1 filed money-flow record
- Related organizations: 1 filed related-organization link
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Financial Efficiency: Mission deployment rate scored 39/100.
- Moderate — Accountability: Governance controls: 4 of 7 not reported.
- Moderate — Financial Efficiency: Program expense ratio scored 41/100.
- Moderate — Sustainability: Operating margin scored 40/100.
- Moderate — Transparency & Controls: Functional expense sum did not reconcile in the filed values.
- Moderate — Transparency & Controls: Independent members within voting members did not reconcile in the filed values.
- Review — Sustainability: Total-asset coverage ratio scored 51/100.
- High — Sustainability: Liabilities to assets ratio scored 14/100.
- High — Sustainability: Officer compensation ratio scored 16/100.