FLATHEAD VALLEY BRIDGE CENTER

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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

2012

Legal Domicile

Principal Officer

JIM SWAB

Phone

4062606832

Tax Period

2024-10-01 to 2025-09-30

FLATHEAD VALLEY BRIDGE CENTER, founded in 2012, is a micro nonprofit in the Human Services sector that reported $47K in total revenue in fiscal year 2024. Net assets of $547K represent 140 months of operating reserves.

Mission

TO PROVIDED A PROGRAM OF EDUCATION AND INSTRUCTION TO MEMBERS OF THE PUBLIC ON THE BENEFITS OF DUPLICATE BRIDGE

Program Service Accomplishments

Program 1

Expenses: $7,574 Revenue: $34,958

THE ORGANIZATION HOLDS MULTIPLE WEEKLY OPPORTUNITIES FOR OVER 150 MEMBERS OF THE PUBLIC TO DEVELOP THEIR STRATEGIES AND IMPROVE THEIR SKILLS IN DUPLICATE BRIDGE. ADDITIONALLY, BEGINNERS IN THE GAME...

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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 $6,975

Program Service Revenue $35,668

Investment Income $4,094

Other Revenue $233

TOTAL REVENUE $46,970

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $7,574

Other Expenses $49,851

TOTAL EXPENSES $49,851

Year-over-Year Comparison

	2024	2023	Change
Revenue	$46,970	$47,164	0.0%
Expenses	$49,851	$45,094	+0.1%
Net Income	$-2,881	$2,070	-2.4%

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
JIM SWAB	PRESIDENT	15.00	Officer Director	$0	$0	$0
ALICE HARRIS	VICE PRESIDENT	15.00	Officer Director	$0	$0	$0
CATHY BROWN	VICE PRESIDENT	10.00	Officer Director	$0	$0	$0
STEVEN HINES	SECRETARY	10.00	Officer Director	$0	$0	$0
ALDEN BORESON	TREASURER	10.00	Officer Director	$0	$0	$0
WENDY SEXTON	DIRECTOR	5.00	Director	$0	$0	$0
SUSAN OKONSKY	DIRECTOR	5.00	Director	$0	$0	$0
SHARON PALMER	DIRECTOR	5.00	Director	$0	$0	$0
WENDY FREGERIO	DIRECTOR	5.00	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
2025	$46,970	$49,851	$546,946	$-2,881
2024	$47,164	$45,094	$550,779	$2,070
2023	$53,108	$66,606	$548,709	$-13,498
2022	$41,462	$59,196	$562,207	$-17,734
2021	$17,366	$37,967	$579,941	$-20,601
2020	$25,437	$42,105	$600,542	$-16,668