WOLF POINT 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

Principal Officer

NICOLE MILLER

Phone

4066532012

Tax Period

2024-01-01 to 2024-12-31

WOLF POINT CHAMBER OF COMMERCE, founded in 1948, is a micro nonprofit that reported $90K in total revenue in fiscal year 2024. Revenue fell 54% from the prior year — a significant decline worth monitoring. Net assets of $559K represent 75 months of operating reserves.

Mission

TO SUPPORT AND PROMOTE LOCAL AND COMMUNITY BUSINESSES AND AGRICULTURE.

Program Service Accomplishments

Program 1

ENCOURAGE NEW BUSINESS, AND RETAIN AND PROMOTE EXISTING BUSINESSES WITH COMMUNITY WIDE ACTIVITIES SUCH AS ART IN THE PARK, CHRISTMAS STROLL, COMMUNITY CLEAN SWEEP AND BEAUTIFICATION, ETC.

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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 $43,241

Program Service Revenue $36,012

Investment Income $11,170

Other Revenue $-819

TOTAL REVENUE $89,604

Expense Breakdown

Grants Paid $0

Salaries & Benefits $19,629

Fundraising Expenses $0

Other Expenses $69,530

TOTAL EXPENSES $89,159

Year-over-Year Comparison

	2024	2023	Change
Revenue	$89,604	$194,300	-0.5%
Expenses	$89,159	$98,224	-0.1%
Net Income	$445	$96,076	-1.0%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
SCOTT KEEN	President	5.00	Officer Director	$0	$0	$0
NICOLE MILLER	Vice President	2.00	Officer Director	$0	$0	$0
ARLYSS LONG	Sec / Treasurer	2.00	Officer Director	$0	$0	$0
JAN BRYAN	Director	2.00	Director	$0	$0	$0
CHERRY COLGAN	Director	2.00	Director	$0	$0	$0
EASTON COPENHAVER	Director	2.00	Director	$0	$0	$0
KEITH HIGGINS	Director	2.00	Director	$0	$0	$0
MICHELLE JOHNSON	Director	2.00	Director	$0	$0	$0
CLINT LONG	Director	2.00	Director	$0	$0	$0
DAVID PERKINS	Director	2.00	Director	$0	$0	$0
JEFF PRESSER	Director	2.00	Director	$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	$89,604	$89,159	$561,599	$445
2023	$194,300	$98,224	$563,162	$96,076
2022	$124,384	$95,595	$467,800	$28,789
2021	$118,468	$74,393	$439,511	$44,075
2020	$69,838	$66,663	$396,985	$3,175
2019	$85,891	$53,573	$395,117	$32,318
2018	$90,772	$63,161	$359,540	$27,611