BILLINGS 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

1973

Legal Domicile

Principal Officer

JOHN BREWER

Phone

4068693727

Tax Period

2024-07-01 to 2025-06-30

BILLINGS CHAMBER OF COMMERCE, founded in 1973, is a community nonprofit that reported $2.5M in total revenue in fiscal year 2024. Revenue fell 22% from the prior year — a significant decline worth monitoring.

Mission

OUR MISSION IS TO DEVELOP A STRONG BUSINESS CLIMATE AND VIBRANT ECONOMY BY SERVING THE COMMUNITY IN A LEADERSHIP ROLE THERAPY ENHANCING THE QUALITY OF LIFE.

Program Service Accomplishments

Program 1

Expenses: $979,523 Revenue: $731,113

DEVELOP AND MARKET THE BILLINGS, MONTANA REGION AS A PREFERRED DESTINATION FOR VISITORS IN ORDER TO CONTRIBUTE TO THE ECONOMIC AND CULTURAL GROWTH OF THE REGION.

Program 2

Expenses: $778,480 Revenue: $467,422

PROVIDE EDUCATION AND INFORMATION SERVICES TO MEMBERS, RECRUIT NEW MEMBERS, AND MAKE THE CHAMBER AVAILABLE TO THE COMMUNITY.

Program 3

Expenses: $315,841 Revenue: $45,082

SERVICE THE MEMBERSHIP BY MONITORING THE GOVERNMENTAL AND BUSINESS ARENAS.

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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 $1,250,573

Program Service Revenue $1,258,676

Investment Income $25,952

Other Revenue $6,869

TOTAL REVENUE $2,542,070

Expense Breakdown

Grants Paid $0

Salaries & Benefits $1,635,711

Fundraising Expenses $0

Program Expenses $2,073,844

Other Expenses $968,214

TOTAL EXPENSES $2,603,925

Year-over-Year Comparison

	2024	2023	Change
Revenue	$2,542,070	$3,257,802	-0.2%
Expenses	$2,603,925	$3,084,758	-0.2%
Net Income	$-61,855	$173,044	-1.4%

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

Volunteers

277

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

$286,578

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN BROWN	DIRECTOR	2.00	Director	$0	$0	$0
DEBORAH POTTER	CHAIR	2.00	Officer Director	$0	$0	$0
HEATHER MCDOWELL	DIRECTOR	2.00	Director	$0	$0	$0
JESS PETERSON	VICE CHAIR	2.00	Officer Director	$0	$0	$0
TOBY O'ROURKE	TREASURER	2.00	Officer Director	$0	$0	$0
CARMELITA DOMINGUEZ	DIRECTOR	2.00	Director	$0	$0	$0
BRYCE TERPSTRA	DIRECTOR	2.00	Director	$0	$0	$0
STEVE WARHLICH	DIRECTOR	2.00	Director	$0	$0	$0
NICK STEEN	DIRECTOR	2.00	Director	$0	$0	$0
CAROLEE MCCALL SMITH	DIRECTOR	2.00	Director	$0	$0	$0
MATT BLAKESLEE	DIRECTOR	2.00	Director	$0	$0	$0
SPENCER FREDERICK	DIRECTOR	2.00	Director	$0	$0	$0
BECKY ROSENLEAF	DIRECTOR	2.00	Director	$0	$0	$0
JILL DAWSON	DIRECTOR	2.00	Director	$0	$0	$0
DUSTY EATON	DIRECTOR	2.00	Director	$0	$0	$0
KAREN BAUMGART-MILLER	DIRECTOR	2.00	Director	$0	$0	$0
TRACY NEARY	DIRECTOR	2.00	Director	$0	$0	$0
DON HUDSON	DIRECTOR	2.00	Director	$0	$0	$0
JEREMY VANATTA	PAST CHAIR	2.00	Director	$0	$0	$0
RYAN BROSSEAU	DIRECTOR	2.00	Director	$0	$0	$0
JOHN BREWER	PRESIDENT/CEO	40.00	Officer	$253,366	$33,212	$286,578

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	$2,542,070	$2,603,925	$1,374,565	$-61,855
2024	$3,255,802	$3,084,758	$1,352,408	$171,044
2023	$2,571,291	$2,711,964	$1,147,343	$-140,673
2022	$2,461,660	$2,454,920	$1,283,550	$6,740
2021	$2,663,464	$2,230,273	$1,285,599	$433,191
2020	$2,051,600	$1,863,554	$889,820	$188,046
2019	$2,097,227	$2,099,256	$601,357	$-2,029
2018	$2,535,515	$2,728,678	$868,739	$-193,163