COLUMBIA FALLS COMMUNITY MARKET

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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

2015

Legal Domicile

Principal Officer

MICHELLE BANKS

Phone

4062607084

Tax Period

2025-01-01 to 2025-12-31

COLUMBIA FALLS COMMUNITY MARKET, founded in 2015, is a small nonprofit in the Food, Agriculture & Nutrition sector that reported $320K in total revenue in fiscal year 2025. Revenue surged 144% from the prior year, signaling strong growth momentum. The organization ran a surplus of $171K, a strong 54% operating margin.

Mission

COLUMBIA FALLS COMMUNITY MARKET OFFERS FRIENDS, FAMILIES, NEIGHBORS AND VISITORS THE CHANCE TO MORE CONVENIENTLY LIVE A FARM-TO-TABLE LIFESTYLE WHILE ENJOYING EACH OTHERS COMPANY, LIVE MUSIC, FRESH FOOD, DESSERTS, ARTISAN GIFTS AND LOCALLY-BREWED BEER.

Program Service Accomplishments

Program 1

Expenses: $83,081

THE OPPORTUNITY FOR OUR COMMUNITY TO MORE CONVENIENTLY LIVE A FARM-TO- TABLE LIFESTYLE IS BEYOND EXCITING THE MARKET SPACE PROVIDES AMPLE PARKING FOR VENDORS AND ATTENDEES, A SAFELY-ENCLOSED BUT...

THE OPPORTUNITY FOR OUR COMMUNITY TO MORE CONVENIENTLY LIVE A FARM-TO- TABLE LIFESTYLE IS BEYOND EXCITING THE MARKET SPACE PROVIDES AMPLE PARKING FOR VENDORS AND ATTENDEES, A SAFELY-ENCLOSED BUT OPEN-AIR SELLING SPACE, A CENTRAL MUSIC STAGE AND DANCE FLOOR, FOOD COURT, EXCELLENT CURB APPEAL AND PLENTY OF VISIBILITY. 20 COMMUNITY MARKETS HELD FROM MAY 15TH THROUGH SEPTEMBER 25, 2025 WHICH 31,831 PEOPLE ATTENDED 192 FLATHEAD VALLEY BUSINESSES REPRESENTED 775,455.40 IN COLLECTIVE VENDOR EARNINGS OVER 20 WEEKS (FROM 114 VENDORS WHO SOLD 50% LOCALLY MADE OR EMBELLISHED PRODUCTS) A RE-LAUNCHED RECYCLING PROGRAM THAT RECYCLED 4,780 POUNDS OF ALUMINUM AND COUNTING A RE-LAUNCHING OF THE FOOD ACCESS PROGRAM THAT REDEEMED 1,067 TO HELP LOCAL RESIDENTS PURCHASE HEALTHY, LOCALLY GROWN AND RAISED FOOD 20 LIVE MUSICAL PERFORMANCES FEATURING LOCAL MUSICIANS COLUMBIA FALLS HIGH SCHOOL ART STUDENTS' WORK DISPLAYED ON 200 PROMOTIONAL POSTERS THROUGHOUT THE FLATHEAD VALLEY

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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 $76,590

Program Service Revenue $44,796

Investment Income $-1,805

Other Revenue $200,031

TOTAL REVENUE $319,612

Expense Breakdown

Grants Paid $0

Salaries & Benefits $42,143

Fundraising Expenses $0

Program Expenses $83,215

Other Expenses $106,279

TOTAL EXPENSES $148,422

Year-over-Year Comparison

	2025	2024	Change
Revenue	$319,612	$130,783	+1.4%
Expenses	$148,422	$125,876	+0.2%
Net Income	$171,190	$4,907	+33.9%

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

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

$32,200

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LISA JAKOBER	PRESIDENT	0.87	Officer Director	$0	$0	$0
RYAN GARNACHE	VICE PRESIDE	2.31	Officer Director	$0	$0	$0
MICHELLE BANKS	TREASURER	0.87	Officer Director	$0	$0	$0
LANCE LYNCH	SECRETARY	0.70	Officer Director	$0	$0	$0
MELISSA ELLIS	EXECUTIVE DI	26.00	Officer	$32,200	$0	$32,200

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	$319,612	$148,422	$191,443	$171,190