MISSOULA AREA 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

1904

Legal Domicile

Principal Officer

CHAD BAUER

Phone

4065436623

Tax Period

2024-07-01 to 2025-06-30

MISSOULA AREA CHAMBER OF COMMERCE, founded in 1904, is a small nonprofit that reported $823K in total revenue in fiscal year 2024. The organization ran a surplus of $139K, a strong 17% operating margin.

Mission

AN ASSOCIATION PROVIDING COMMUNITY LEADERSHIP AND BUSINESS ADVOCACY SUSTAINING ECONOMIC VITALITY.

Program Service Accomplishments

Program 1

EXEMPT PURPOSE ACHEIVEMENTS FOR THE YEAR ARE AS FOLLOWS:PROVIDED LEADERSHIP PROGRAMS: 9 MONTH PROGRAM FOR ADULTS IN THE COMMUNITY.PROVIDED SUPPORT TO MAJOR INDUSTRIES IN THE MISSOULA AREA THROUGH...

EXEMPT PURPOSE ACHEIVEMENTS FOR THE YEAR ARE AS FOLLOWS:PROVIDED LEADERSHIP PROGRAMS: 9 MONTH PROGRAM FOR ADULTS IN THE COMMUNITY.PROVIDED SUPPORT TO MAJOR INDUSTRIES IN THE MISSOULA AREA THROUGH RECOGNITION CEREMONIES, GRAND OPENINGS, EDUCATIONAL TOURS, SCHOOL PROGRAMS, EDUCATIONAL SEMINARS, ALUMNI PROGRAM AND FAIRS.PROVIDED NETWORKING OPPORTUNITIES FOR BUSINESS PERSONS.PUBLISHED A MONTHLY NEWSLETTER, GOING INTO BUSINESS ROADMAP, CITY MAP, SPEAKERS GUIDE, MEMEBERSHIP DIRECTORY, RELOCATION PUBLICATION AND TOURISM BROCHURES.

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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 $82,834

Program Service Revenue $705,907

Investment Income $13,759

Other Revenue $20,345

TOTAL REVENUE $822,845

Expense Breakdown

Grants Paid $0

Salaries & Benefits $364,036

Fundraising Expenses $0

Other Expenses $320,254

TOTAL EXPENSES $684,290

Year-over-Year Comparison

	2024	2023	Change
Revenue	$822,845	$783,066	+0.1%
Expenses	$684,290	$780,922	-0.1%
Net Income	$138,555	$2,144	+63.6%

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

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

$133,241

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MARK LOSH	OUTGOING CEO	40.00	Officer	$78,209	$0	$78,209
DEBBIE ERBACHER	FINANCE DIREC.	40.00	Officer	$53,832	$1,200	$55,032
ANNIE DARBY	Director	0.50	Director	$0	$0	$0
CHRISTY VICK	Director	0.50	Director	$0	$0	$0
KOBI GIBBS	VICE CHAIR	0.50	Officer Director	$0	$0	$0
DAVE KUNTZ	Director	0.50	Director	$0	$0	$0
ELLIOTT MCGILL	Treasurer	0.50	Director	$0	$0	$0
ZACHARY BASHOOR	Director	0.50	Director	$0	$0	$0
JEFF SMITH	Director	0.50	Director	$0	$0	$0
KYLE WEAVER	Director	0.50	Director	$0	$0	$0
SPENSER MERWIN	Director	0.50	Director	$0	$0	$0
SUSAN HAY PATRICK	Director	0.50	Director	$0	$0	$0
STEVE BRYANT	Director	0.50	Director	$0	$0	$0
JOHN KAPPES	VICE CHAIR	0.50	Officer Director	$0	$0	$0
JULIE MALONEY	IN-COMING CHAIR	0.50	Director	$0	$0	$0
JOHN BRAUER	Chairman	0.50	Officer Director	$0	$0	$0
TODD RAHR	Director	0.50	Director	$0	$0	$0
TIM WINGER	Director	0.50	Director	$0	$0	$0
RON BENDER	LEGAL COUNSEL	0.50	Officer Director	$0	$0	$0
CHAD BAUER	INCOMING CEO	40.00	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
2025	$822,845	$684,290	$592,988	$138,555
2024	$783,066	$780,922	$585,233	$2,144
2023	$762,011	$745,448	$574,629	$16,563
2022	$687,663	$643,857	$592,021	$43,806
2021	$823,025	$632,958	$565,952	$190,067
2020	$832,156	$801,430	$416,711	$30,726
2019	$814,660	$776,217	$489,048	$38,443