Belle Fourche Chamber of Commerce

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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1911

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Belle Fourche Chamber of Commerce, founded in 1911, is a small nonprofit that reported $134K in total revenue in fiscal year 2023.

Mission

To promote, connect, and enrich the Belle Fourche area business community.

Program Service Accomplishments

Program 1

Expenses: $53,515 Revenue: $134,372

To promote and enrich the City of Belle Fourche and surrounding community

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $103,649

Program Service Revenue $30,069

Investment Income $14

Other Revenue $640

TOTAL REVENUE $134,372

Expense Breakdown

Grants Paid $0

Salaries & Benefits $74,445

Fundraising Expenses $0

Program Expenses $53,515

Other Expenses $66,972

TOTAL EXPENSES $141,417

Year-over-Year Comparison

	2023	2022	Change
Revenue	$134,372	$137,173	0.0%
Expenses	$141,417	$130,766	+0.1%
Net Income	$-7,045	$6,407	-2.1%

Key Indicators

✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✓ Schedule B Required

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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

Governance

Voting Members

Independent Members

Employees

Volunteers

N/A

Governance Policies

✗ Conflict of Interest Policy

✗ Whistleblower Policy

✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School

✗ Operated a Hospital

✗ Provided First Class Travel

✗ Reported Conflict of Interest

✗ Reported Asset Diversion

✗ Excess Benefit Transaction

✗ Made Political Expenditures

✗ Engaged in Lobbying

✗ Operated Donor Advised Fund

✗ Maintained Art Collections

✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers

$53,558

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Miranda Gallagher	Executive Director	0.00	Officer	$53,558	$0	$53,558
Wendy Bowers	Director	1.00	Director	$0	$0	$0
Melissa Scofield	Director	1.00	Director	$0	$0	$0
Heidi Parker	Director	1.00	Director	$0	$0	$0
Brittney Wilkinson	Director	1.00	Director	$0	$0	$0
David Pruitt	Director	1.00	Director	$0	$0	$0
Rachel Woodruff	Director	1.00	Director	$0	$0	$0
Shelia Hodge	Director	1.00	Director	$0	$0	$0
Nikki Hoyme	Director	1.00	Director	$0	$0	$0
Angie Besler	Vice President	2.00	Officer Director	$0	$0	$0
Matt Kruetz	President	1.00	Officer Director	$0	$0	$0
Cassie Pannone	SecretaryTreasuer	1.00	Officer Director	$0	$0	$0

Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year	Revenue	Expenses	Assets	Net Income
2025	No data	No data	No data	No data
2024	No data	No data	No data	No data
2023	$134,372	$141,417	$4,397	$-7,045
2022	$137,173	$130,766	$11,321	$6,407
2021	$112,959	$127,380	$9,722	$-14,421
2020	$92,885	$79,013	$23,937	$13,872
2019	$104,884	$105,169	$12,317	$-285
2018	$99,977	$112,556	$12,538	$-12,579