WHITEFISH CHAMBER OF COMMERCE (EIN 810208719) - 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

1947

Legal Domicile

Principal Officer

KEVIN GARTLAND

Phone

4068623501

Tax Period

2023-01-01 to 2023-12-31

WHITEFISH CHAMBER OF COMMERCE, founded in 1947, is a small nonprofit that reported $466K in total revenue in fiscal year 2023. Expenses of $399K left a modest 14% surplus.

Mission

TO PROMOTE THE CITY OF WHITEFISH, MONTANA AND MEMBER BUSINESSES.

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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 $306,047

Program Service Revenue $77,646

Investment Income $2,657

Other Revenue $80,148

TOTAL REVENUE $466,498

Expense Breakdown

Grants Paid $0

Salaries & Benefits $219,762

Fundraising Expenses $0

Other Expenses $179,561

TOTAL EXPENSES $399,323

Year-over-Year Comparison

	2023	2022	Change
Revenue	$466,498	$480,584	0.0%
Expenses	$399,323	$331,616	+0.2%
Net Income	$67,175	$148,968	-0.5%

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

400

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

$102,636

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JEFF RAPER	FORMER CHAIRMAN	1.00	Officer Director	$0	$0	$0
CLARE GOBLE	CHAIRMAN	1.00	Officer Director	$0	$0	$0
REEVES STANWOOD	CHAIR-ELECT	1.00	Officer Director	$0	$0	$0
MARCUS DUFFEY	BOARD MEMBER	1.00	Director	$0	$0	$0
ALEX HOPKINS	DIRECTOR	1.00	Director	$0	$0	$0
KATIE WILLIAMS	TREASURER	1.00	Director	$0	$0	$0
BRIAN JOOS	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN ABEL	DIRECTOR	1.00	Director	$0	$0	$0
TOM GILFILLAN	DIRECTOR	1.00	Director	$0	$0	$0
TONY VESETH	DIRECTOR	1.00	Director	$0	$0	$0
VANCE WATSON	DIRECTOR	1.00	Director	$0	$0	$0
SHANE MOSS	DIRECTOR	1.00	Director	$0	$0	$0
NICK POLUMBUS	DIRECTOR	1.00	Director	$0	$0	$0
KEVIN GARTLAND	PRESIDENT & CEO	40.00	Officer	$102,636	$0	$102,636

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	$466,498	$399,323	$459,072	$67,175
2022	$480,584	$331,616	$391,458	$148,968
2021	$286,953	$284,333	$244,882	$2,620
2020	$321,428	$239,303	$240,994	$82,125
2019	$271,348	$270,480	$153,063	$868
2018	$290,731	$259,935	$159,492	$30,796

WHITEFISH CHAMBER OF COMMERCE