GLENDIVE 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

1948

Legal Domicile

Tax Period

2021-01-01 to 2021-12-31

GLENDIVE CHAMBER OF COMMERCE, founded in 1948, is a small nonprofit that reported $254K in total revenue in fiscal year 2021. Revenue surged 40% from the prior year, signaling strong growth momentum. The organization ran a surplus of $64K, a strong 25% operating margin.

Mission

THE GLENDIVE AREA CHAMBER OF COMMERCE & AGRICULTURE IS DEDICATED TO PROMOTING BUSINESS, TOURISM, QUALITY OF LIFE AND ECONOMIC DEVELOPMENT THROUGH LOCAL BUSINESS ALLIANCES

Program Service Accomplishments

Program 1

Expenses: $102,403 Revenue: $49,917

PROMOTED MEMBERS AND COMMUNITY EVENTS MONTHLY WITH CHAMBER CHATTER. PROMOTED THE AREA BY HOSTING HOSTING THE CHAMBER BANQUET, MAKOSHIKA BASKETBALL TOURNAMENT, COMMUNITY BBQ, SPRING FLING TRADE SHOW, AND AGRICULTURAL APPRECIATION BANQUET. SUPPORTED NUMEROUS NON-PROFIT ORGANIZATIONS WITH THEIR EVENTS TO INCLUDE THE MISS MONTANA PROGRAM.

Program 2

Expenses: $82,688 Revenue: $140,699

CAVIAR HARVEST PROGRAM PROVIDES AN INFLUX OF BUSINESS TO THE GLENDIVE AREA AND PROVIDES GRANTS FOR COMMUNITY DEVELOPMENT.

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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 (2021)

Revenue Breakdown

Contributions & Grants $63,147

Program Service Revenue $190,270

Investment Income $19

Other Revenue $346

TOTAL REVENUE $253,782

Expense Breakdown

Grants Paid $11,500

Salaries & Benefits $28,734

Fundraising Expenses $0

Program Expenses $185,091

Other Expenses $149,604

TOTAL EXPENSES $189,838

Year-over-Year Comparison

	2021	2020	Change
Revenue	$253,782	$181,303	+0.4%
Expenses	$189,838	$194,152	0.0%
Net Income	$63,944	$-12,849	-6.0%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SARA PLUMMER	DIRECTOR	1.00	Director	$0	$0	$0
KARA SCHULTZ	DIRECTOR	1.00	Director	$0	$0	$0
TERESA OLSON	DIRECTOR	1.00	Director	$0	$0	$0
CODY SEVIER	DIRECTOR	1.00	Director	$0	$0	$0
MISTY DORSEY	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTIE BURY	2ND VICE PRESIDENT	1.00	Officer	$0	$0	$0
DENNY MALONE	PRESIDENT	1.00	Officer	$0	$0	$0
KATELYNNE ESLICK	FIRST VICE PRESIDENT	1.00	Officer	$0	$0	$0
DARA DEINES	SECRETARY	1.00	Officer	$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
2021	$253,782	$189,838	$317,656	$63,944
2020	$181,303	$194,152	$252,860	$-12,849
2019	$323,008	$297,729	$278,969	$25,279
2018	$331,446	$291,580	$251,896	$39,866