CUSTER COUNTY 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

1941

Legal Domicile

Principal Officer

DAWN MURRAY

Phone

6056732244

Tax Period

2024-01-01 to 2024-12-31

CUSTER COUNTY CHAMBER OF COMMERCE, founded in 1941, is a small nonprofit that reported $503K in total revenue in fiscal year 2024. Expenses of $449K left a modest 11% surplus.

Mission

PROMOTE COMMUNITY

Program Service Accomplishments

Program 1

PROMOTE, ADVANCE AND PUBLICIZE THE CIVIC, COMMERCIAL, INDUSTRIAL, AND GENERAL INTERESTS OF THE CITY AND COUNTY AND ITS TRADE AND BUSINESS TERRITORY. FOR 2024, THE CHAMBER HAS A TOTAL OF 298 MEMBERS...

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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 (2024)

Revenue Breakdown

Contributions & Grants $224,010

Program Service Revenue $263,263

Investment Income $9,104

Other Revenue $6,771

TOTAL REVENUE $503,148

Expense Breakdown

Grants Paid $0

Salaries & Benefits $182,738

Fundraising Expenses $0

Other Expenses $266,491

TOTAL EXPENSES $449,229

Year-over-Year Comparison

	2024	2023	Change
Revenue	$503,148	$469,858	+0.1%
Expenses	$449,229	$392,381	+0.1%
Net Income	$53,919	$77,477	-0.3%

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

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

$70,669

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAWN MURRAY	EXECUTIVE DI	40.00	Officer	$69,143	$1,526	$70,669
AMY BAILEY	PRESIDENT	2.00	Officer Director	$0	$0	$0
CRAIG REINDL	VICE PRESIDE	2.00	Officer Director	$0	$0	$0
MICHELLE FISHER	TREASURER	2.00	Officer Director	$0	$0	$0
JOHN STAHL	BOARD MEMBER	2.00	Director	$0	$0	$0
DIANE DENNIS	BOARD MEMBER	2.00	Director	$0	$0	$0
AMANDA ALLCOCK	BOARD MEMBER	2.00	Director	$0	$0	$0
COREY VIRTUE	BOARD MEMBER	2.00	Director	$0	$0	$0
ERIC BUTLER	BOARD MEMBER	2.00	Director	$0	$0	$0
MIRANDA BOGGS	BOARD MEMBER	2.00	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
2024	$503,148	$449,229	$545,328	$53,919
2023	$469,858	$392,381	$477,593	$77,477
2022	$432,240	$315,358	$391,215	$116,882
2021	$426,812	$307,310	$279,147	$119,502
2020	$324,231	$254,290	$154,212	$69,941
2019	$374,213	$326,584	$85,062	$47,629
2018	$337,893	$341,143	$30,853	$-3,250