The Chamber of Commerce of St Jose County Inc
Nonprofit profile at a glance
- EIN
- 350153330
- IRS 990 coverage
- 2020–2025
- Forms available
- Form 990 2025
- Location
- South Bend, IN, USA
- Phone
- 5742340051
- Rating
- 85
- Verdict
- STRONG
- Rating confidence
- Moderate
Reported finances
- Revenue
- $7,428,359
- Expenses
- $7,249,392
- Assets
- $5,367,129
- Liabilities
- $2,693,598
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
23 people listed
Executive titles in this filing
- JEFFREY REA (CEO)
People named in this filing
- SCOTT BREWER (BOARD MEMBER)
- JUSTIN BUTLER (BOARD MEMBER)
- HEATHER CHRISTOPHERSEN (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. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The chamber of commerce of st. Joseph county, inc. Was founded in 1909 as a private, not-for-profit member association to serve its member businesses and advance community prosperity. The chamber is dedicated to its members' growth and prosperity. The chamber is the primary advocate for area business and is committed to helping members compete by providing leadership, advocacy and services.
What it reported doing in 2025
The convention and visitors bureau program is focused upon attracting meetings, conventions, sports, and other leisure activities and visitors to stimulate economic growth in st. Joseph county, Indiana.
Operating model
- Revenue model
- Earned-program. 71% of the money available for current operations came from fees and other program revenue.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
STRONG - A large share of available resources goes toward mission work and the filed numbers largely add up. Expenses are high relative to revenue and total assets are small relative to annual expenses; liquid coverage is unknown.
Rating breakdown
- Financial Efficiency: 77
- Transparency & Controls: 92
- Accountability: 100
- Sustainability: 36
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 85.7%; rating input score 86
- Program expense ratio: 87.5%; rating input score 88
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 63rd percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 63rd percentile among comparable filings
- Governance controls: 7 of 7 controls in place; rating input score 100
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: NotApplicable
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Pass
- Board meeting minutes documented: Pass
- Audit committee oversight: Pass
- Independent financial-statement audit: Pass
Sustainability
- Operating margin: 2.4%; rating input score 35; 35th percentile among comparable filings
- Total-asset coverage ratio: 0.74; rating input score 25; 25th percentile among comparable filings
- Liabilities to assets ratio: 0.5; rating input score 16; 16th percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 90; 90th percentile among comparable filings
Growth
- Program expense growth: 23.9% per year; rating input score 100; 88th percentile among comparable filings
- Revenue growth: 21.2% per year; rating input score 100; 88th percentile among comparable filings
- Asset growth: 14.2% per year; rating input score 100; 72nd percentile among comparable filings
Details
- Where the money goes: 85.7% of revenue deployed · 87.5% of spending went to programs
- Governance: 23 of 23 board members independent · 7 of 7 filing controls reported
- Programs: 3 filed program accomplishments · $6.3M in reported program spending
- Leadership: top reported pay $0 · 23 people listed
- Consistency: 30 of 30 current checks pass
- Schedules: 5 filed schedules · includes major donors
- Filing history: 6 filing years from 2020 to 2025
- Contacts: How to reach this organization
- Money network: Resolved incoming and outgoing counterparties from filed money flows.
- Related organizations: Filed and resolved organization relationships.
- 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.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Sustainability: Operating margin scored 35/100.
- High — Sustainability: Total-asset coverage ratio scored 25/100.
- High — Sustainability: Liabilities to assets ratio scored 16/100.