CHADRON 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

1988

Legal Domicile

Principal Officer

GABRIELLE MICHNA

Phone

3084324441

Tax Period

2023-01-01 to 2023-12-31

CHADRON CHAMBER OF COMMERCE, founded in 1988, is a micro nonprofit that reported $85K in total revenue in fiscal year 2023. Revenue decreased 9% compared to the prior year. Expenses of $82K left a modest 4% surplus.

Mission

TO SERVE OUR MEMBERSHIP BY ASSISTING, PROMOTING, AND DEVELOPING COMMERCE THROUGH CIVIC INVOLVEMENT, EDUCATIONAL OPPORTUNITIES, AND CULTURAL ENHANCEMENT.

Program Service Accomplishments

Program 1

BETTERMENT OF THE CHADRON NEBRASKA RETAIL, SERVICE AND GOVERNMENTAL ACTIVITIES THROUGH INFORMED MEMBERS, COMMUNCIATION SUPPORTED BY MEMBERS DUES AND CONTRIBUTIONS, AND COMMUNITY EVENTS.

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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 $104,875

Program Service Revenue $0

Investment Income $0

Other Revenue $-19,908

TOTAL REVENUE $84,967

Expense Breakdown

Grants Paid $0

Salaries & Benefits $53,589

Fundraising Expenses $0

Other Expenses $28,163

TOTAL EXPENSES $81,752

Year-over-Year Comparison

	2023	2022	Change
Revenue	$84,967	$93,061	-0.1%
Expenses	$81,752	$96,464	-0.2%
Net Income	$3,215	$-3,403	-1.9%

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

$49,012

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DUANE GARDENER	PRESIDENT	1.00	Officer Director	$0	$0	$0
JANELLE WINKELMAN	SECRETARY	1.00	Officer Director	$0	$0	$0
ELIZA DRAPER	TREASURER	1.00	Officer Director	$0	$0	$0
TRISH MARTINS	VICE-PRESIDENT	1.00	Officer Director	$0	$0	$0
JEREMY ANDERSON	DIRECTOR	1.00	Director	$0	$0	$0
CLINT MERCHEN	DIRECTOR	1.00	Director	$0	$0	$0
TIM BUSKIRK	DIRECTOR	1.00	Director	$0	$0	$0
TENA COOK	DIRECTOR	1.00	Director	$0	$0	$0
CARLY SCHNELL	DIRECTOR	1.00	Director	$0	$0	$0
MARK GRAVES	DIRECTOR	1.00	Director	$0	$0	$0
TORI WILD	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS RUTLEDGE	DIRECTOR	1.00	Director	$0	$0	$0
ANGELA LOLLAR	DIRECTOR	1.00	Director	$0	$0	$0
GABRIELLE MICHNA	EXECUTIVE DIRECTOR	40.00	Officer	$49,012	$0	$49,012

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
2023	$84,967	$81,752	$48,648	$3,215
2022	$93,061	$96,464	$43,113	$-3,403
2021	$110,009	$102,228	$45,622	$7,781
2020	$82,365	$85,107	$40,336	$-2,742
2019	$80,308	$86,861	$42,789	$-6,553
2018	$88,489	$83,541	$48,669	$4,948