Keystone 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

1974

Legal Domicile

Principal Officer

Leah Serrano

Tax Period

2025-01-01 to 2025-12-31

Keystone Chamber of Commerce, founded in 1974, is a micro nonprofit that reported $9K in total revenue in fiscal year 2025. Revenue fell 94% from the prior year — a significant decline worth monitoring. Expenses of $49K exceeded revenue, resulting in a 462% operating deficit.

Mission

To advance the economic, industrial, professional., cultureal and civic welfare of the City of Keystone.

Program Service Accomplishments

Program 1

Expenses: $48,690

Provide marketing support to cultivate and grow the tourism market for the benifit of the Keystone community and businesses.

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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 (2025)

Revenue Breakdown

Contributions & Grants $6,116

Program Service Revenue $0

Investment Income $2,550

Other Revenue $0

TOTAL REVENUE $8,666

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $48,690

Other Expenses $48,690

TOTAL EXPENSES $48,690

Year-over-Year Comparison

	2025	2024	Change
Revenue	$8,666	$146,935	-0.9%
Expenses	$48,690	$135,132	-0.6%
Net Income	$-40,024	$11,803	-4.4%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Melodi Heinis	Director	002.00	Director	$0	$0	$0
Leah Serrano	Vice-President	002.00	Officer	$0	$0	$0
KF Watson	Secretary	002.00	Officer	$0	$0	$0
Sean Maher	Treasurer	002.00	Officer	$0	$0	$0
John Wells	President	002.00	Officer	$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	$8,666	$48,690	$86,494	$-40,024
2024	No data	No data	No data	No data
2023	$230,406	$186,725	$115,149	$43,681
2022	$205,125	$174,683	$70,454	$30,442