Pentwater Chamber of Commerce
Nonprofit profile at a glance
- EIN
- 382869424
- IRS 990-EZ coverage
- 2010–2025
- Forms available
- Form 990-EZ 2025
- Location
- Pentwater, MI, USA
- Phone
- 2318694150
- Rating
- 38
- Verdict
- REVIEW
- Rating confidence
- Moderate
- Sector
- Chambers of Commerce & Business Leagues
Reported finances
- Revenue
- $135,621
- Expenses
- $128,626
- Assets
- $56,271
- Liabilities
- $617
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
4 people listed
People named in this filing
- Luke White (Chair)
- Amanda Adams (Finance)
- Pat Grossenbacher (Board Member)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990-EZ. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The Pentwater Chamber of Commerce is committed to community and economic development, the success of businesses and the improvement of the quality of life in and around Pentwater.
What it reported doing in 2025
Sponsor and organize community events, including Winterfest, Community Garage Sale, SpringFest, Easter on the Green, Brews and Beats, Homecoming, Fireworks, FallFest, Oktoberfest, Chamber Golf Outing, Farmer's Market and Christmas in the Village.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- No current program activity. The filing reports no program spending for the current year.
The verdict
REVIEW - The filed numbers largely add up and revenue has grown recently. A relatively small share of available resources goes toward mission work and a relatively small share of total spending goes to programs.
Rating breakdown
- Financial Efficiency: 0
- Transparency & Controls: 82
- Sustainability: 43
- Growth: 60
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 0%; rating input score 0
- Program expense ratio: 0%; rating input score 0
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 52nd percentile among comparable filings
- Major donor itemization: Limited
Sustainability
- Operating margin: 5.2%; rating input score 45; 45th percentile among comparable filings
- Total-asset coverage ratio: 0.44; rating input score 34; 34th percentile among comparable filings
- Liabilities to assets ratio: 0.01; rating input score 37; 37th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 63; 63rd percentile among comparable filings
Growth
- Program expense growth: Limited
- Revenue growth: 2.9% per year; rating input score 100; 33rd percentile among comparable filings
- Asset growth: 4.9% per year; rating input score 100; 43rd percentile among comparable filings
Details
- Where the money goes: 0% of revenue deployed · 0% of spending went to programs
- Governance: Filed governance answers
- Accomplishments: 2 filed program accomplishments
- Leadership: top reported pay $0 · 4 people listed
- Consistency: 8 of 9 current checks pass · 1 finding to review
- Schedules: 1 filed schedules
- Filing history: 15 filing years from 2010 to 2025
- Contacts: How to reach this organization
- 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.
- High — Financial Efficiency: Mission deployment rate scored 0/100.
- High — Financial Efficiency: Program expense ratio scored 0/100.
- Moderate — Transparency & Controls: Part I part ii net assets crosscheck did not reconcile in the filed values.
- Moderate — Sustainability: Operating margin scored 45/100.
- Moderate — Sustainability: Total-asset coverage ratio scored 34/100.
- Moderate — Sustainability: Liabilities to assets ratio scored 37/100.