GLASGOW CHAMBER OF COMMERCE & AGRI (EIN 810139945) - Form 990 Financial Analysis & Trantor Score

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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

Phone

4062282222

Tax Period

2023-01-01 to 2023-12-31

GLASGOW CHAMBER OF COMMERCE & AGRI is a small nonprofit that reported $611K in total revenue in fiscal year 2023. Expenses of $569K left a modest 7% surplus.

Mission

TO PROMOTE TOURISM, AGRICULTURAL, AND RECREATIONAL ACTIVITIES BENEFITING NORTHEASTERN MONTANA.

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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 $191,191

Program Service Revenue $424,523

Investment Income $3,073

Other Revenue $-8,254

TOTAL REVENUE $610,533

Expense Breakdown

Grants Paid $0

Salaries & Benefits $128,591

Fundraising Expenses $0

Other Expenses $440,617

TOTAL EXPENSES $569,208

Year-over-Year Comparison

	2023	2022	Change
Revenue	$610,533	$595,673	+0.0%
Expenses	$569,208	$617,719	-0.1%
Net Income	$41,325	$-22,046	-2.9%

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

N/A

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
LISA A KOSKI	EXECUTIVE DIRECTOR	45.00		$58,542	$0	$58,542
JACE ANDERSON	Director	0.00	Director	$0	$0	$0
HEIDI GAULT	Director	0.00	Director	$0	$0	$0
GAIL FAST	Vice President	0.00	Director	$0	$0	$0
JASON EGGEBRECHT	Vice President	0.00	Director	$0	$0	$0
GREGG HUNTER	Director	0.00	Officer Director	$0	$0	$0
ZACK GARSJO	Director	0.00	Officer Director	$0	$0	$0
BRITNI CASTERLINE	Director	0.00	Director	$0	$0	$0
TAYTE PREWETT	Director	0.00	Director	$0	$0	$0
MICHELLE BIGELBACH	Director	0.00	Director	$0	$0	$0
JOHN BACH	Treasurer	0.00	Director	$0	$0	$0
TISA SEILER	Director	0.00	Director	$0	$0	$0
JOHN WALKER	Director	0.00	Director	$0	$0	$0
JOSH SILLERUD	Vice President	0.00	Officer Director	$0	$0	$0
TARA SPEAR	Director	0.00	Director	$0	$0	$0
AMBER SWINDLER	Director	0.00	Director	$0	$0	$0
KELCIE BATES	Director	0.00	Director	$0	$0	$0
LEVI CAPDEVILLE	Director	0.00	Director	$0	$0	$0
KIRSTEN BENSE	Director	0.00	Director	$0	$0	$0
BRENNER FLATEN	Director	0.00	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
2024	No data	No data	No data	No data
2023	$610,533	$569,208	$341,077	$41,325
2022	$595,673	$617,719	$303,246	$-22,046
2021	$516,097	$484,889	$346,117	$31,208
2020	$531,039	$350,179	$305,519	$180,860
2019	$484,203	$483,034	$123,594	$1,169
2018	$451,729	$459,228	$122,185	$-7,499

GLASGOW CHAMBER OF COMMERCE & AGRI