MISSOULA COUNTRY CLUB

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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

1916

Legal Domicile

Principal Officer

CHRIS NOWLEN

Phone

4062512404

Tax Period

2025-01-01 to 2025-12-31

MISSOULA COUNTRY CLUB, founded in 1916, is a community nonprofit in the Recreation & Sports sector that reported $4.3M in total revenue in fiscal year 2025. Expenses of $3.7M left a modest 13% surplus.

Mission

THE CLUB IS ORGANIZED FOR THE PURPOSE OF PROVIDING FOR AND PROMOTING THE GAME OF GOLF FOR THE BENEFIT OF ITS MEMBERS.

Program Service Accomplishments

Program 1

PROVIDE A QUALITY MAINTAINED GOLF COURSE AND DINING FACILITY FOR THE BENEFIT OF ALL MEMBERS.

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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 (2025)

Revenue Breakdown

Contributions & Grants $0

Program Service Revenue $3,233,566

Investment Income $53,336

Other Revenue $969,739

TOTAL REVENUE $4,256,641

Expense Breakdown

Grants Paid $535

Salaries & Benefits $2,168,596

Fundraising Expenses $0

Other Expenses $1,530,817

TOTAL EXPENSES $3,699,948

Year-over-Year Comparison

	2025	2024	Change
Revenue	$4,256,641	$4,011,949	+0.1%
Expenses	$3,699,948	$3,506,863	+0.1%
Net Income	$556,693	$505,086	+0.1%

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

146

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

$198,747

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TOBY HUBBARD	PRESIDENT	3.00	Officer Director	$0	$0	$0
TONY MORETTI	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
MATT SCHMIDT	SECRETARY-TREASURER	2.00	Officer Director	$0	$0	$0
MATT MUNDING	DIRECTOR	2.00	Director	$0	$0	$0
DIRK CLONINGER	DIRECTOR	2.00	Director	$0	$0	$0
BOB SEWELL	DIRECTOR	2.00	Director	$0	$0	$0
SHEILA BRYAN	DIRECTOR	2.00	Director	$0	$0	$0
CHRIS NOWLEN	GENERAL MANAGER/DIRECTOR	40.00	Officer	$179,000	$19,747	$198,747

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	$4,256,641	$3,699,948	$6,514,980	$556,693
2024	$4,011,949	$3,506,863	$6,062,133	$505,086
2023	$3,300,086	$3,236,075	$5,199,742	$64,011
2022	$2,685,000	$2,911,204	$5,078,434	$-226,204
2021	$2,802,578	$2,517,794	$5,305,401	$284,784
2020	$2,231,130	$2,194,884	$4,911,256	$36,246
2019	$2,153,125	$2,224,671	$4,671,445	$-71,546