KALISPELL AREA CHAMBER OF COMMERCE (EIN 810154268) - 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

Formation Year

1942

Legal Domicile

Principal Officer

LORRAINE CLARNO

Phone

4067582800

Tax Period

2023-01-01 to 2023-12-31

KALISPELL AREA CHAMBER OF COMMERCE, founded in 1942, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2023. Revenue decreased 9% compared to the prior year. Expenses of $1.1M exceeded revenue, resulting in a 11% operating deficit.

Mission

ECONOMIC AND 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 (2023)

Revenue Breakdown

Contributions & Grants $726,072

Program Service Revenue $422,903

Investment Income $-134,595

Other Revenue $0

TOTAL REVENUE $1,014,380

Expense Breakdown

Grants Paid $2,840

Salaries & Benefits $441,824

Fundraising Expenses $0

Program Expenses $794,935

Other Expenses $683,311

TOTAL EXPENSES $1,127,975

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,014,380	$1,115,071	-0.1%
Expenses	$1,127,975	$1,170,135	0.0%
Net Income	$-113,595	$-55,064	+1.1%

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

$124,666

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN AEGERTER	BOARD MEMBER	0.00	Director	$0	$0	$0
JEFF CLARIDGE	BOARD MEMBER	0.00	Director	$0	$0	$0
SHANE JACKOLA	BOARD MEMBER	0.00	Director	$0	$0	$0
TAMARA WILLIAMS	BOARD MEMBER	0.00	Director	$0	$0	$0
TOM RAY	BOARD MEMBER	0.00	Director	$0	$0	$0
ROB RATKOWSKI	BOARD MEMBER	0.00	Director	$0	$0	$0
TIA ROBBIN	BOARD MEMBER	0.00	Director	$0	$0	$0
PETE AKEY	BOARD MEMBER	0.00	Director	$0	$0	$0
JAMES WILLIAMSON	BOARD MEMBER	0.00	Director	$0	$0	$0
TOM ANDERSON	BOARD MEMBER	0.00	Director	$0	$0	$0
CASEY WYCKOFF	BOARD MEMBER	0.00	Director	$0	$0	$0
JESSI WOOD	BOARD MEMBER	0.00	Director	$0	$0	$0
JOE MCCLAFFERTY	BOARD MEMBER	0.00	Director	$0	$0	$0
KISA DAVISON	BOARD MEMBER	0.00	Director	$0	$0	$0
LINDA PISTORESE	BOARD MEMBER	0.00	Director	$0	$0	$0
PAUL MCKENZIE	BOARD MEMBER	0.00	Director	$0	$0	$0
TERYN WALDENBERG	BOARD MEMBER	0.00	Director	$0	$0	$0
TAGEN VINE	CHAIR	0.00	Officer	$0	$0	$0
ERICA WIRTALA	IMMEDIATE PAST CHAIR	0.00	Officer	$0	$0	$0
LORRAINE CLARNO	PRESIDENT/CEO	40.00	Officer	$109,630	$15,036	$124,666
RYAN BOWMAN	VICE CHAIR	0.00	Officer	$0	$0	$0
BILL MOSELEY	SECRETARY & TREASURER	0.00	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
2024	No data	No data	No data	No data
2023	$1,014,380	$1,127,975	$1,314,099	$-113,595
2022	$1,115,071	$1,170,135	$1,126,533	$-55,064
2021	$1,087,457	$997,271	$1,192,977	$90,186
2020	$1,085,051	$976,633	$1,073,112	$108,418
2019	$996,266	$1,056,431	$834,200	$-60,165
2018	$1,110,833	$1,168,442	$737,517	$-57,609

KALISPELL AREA CHAMBER OF COMMERCE