The Downtown Exchange 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

1984

Legal Domicile

Principal Officer

Jerry Theis

Phone

4068962448

Tax Period

2021-07-01 to 2022-06-30

The Downtown Exchange Club, founded in 1984, is a micro nonprofit that reported $91K in total revenue in fiscal year 2021. Revenue surged 172% from the prior year, signaling strong growth momentum. The organization ran a surplus of $39K, a strong 43% operating margin.

Mission

To support various charitable organizations in the community with an emphasis on organizations which benefit youth and further the national project of the National Exchange club to help prevent child abuse.

Program Service Accomplishments

Program 1

Expenses: $11,125

The club paid grants in amounts less then $5,000 to the following organizations during the year-end 6-30-2022:Yellowstone Boys and Girls Ranch Foundation $2,000Boys & Girls Club $4,250Family Tree...

The club paid grants in amounts less then $5,000 to the following organizations during the year-end 6-30-2022:Yellowstone Boys and Girls Ranch Foundation $2,000Boys & Girls Club $4,250Family Tree Center $3,600Highland Elemtary PTSA $500YWCA $500Kids' N Cowboys $275

Program 2

Expenses: $2,700

Provided funds for awards and a luncheon to honor an officer of the year from the Billings Police Department, Sheriff's Office and Highway Patrol.

Program 3

Expenses: $1,723

The Club provided wrapped Christmas presents to Kindergarten through second graders at three of the local low-income grade schools.

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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 (2021)

Revenue Breakdown

Contributions & Grants $23,941

Program Service Revenue $0

Investment Income $25,724

Other Revenue $40,866

TOTAL REVENUE $90,531

Expense Breakdown

Grants Paid $20,548

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $20,548

Other Expenses $30,733

TOTAL EXPENSES $51,281

Year-over-Year Comparison

	2021	2020	Change
Revenue	$90,531	$33,226	+1.7%
Expenses	$51,281	$44,407	+0.2%
Net Income	$39,250	$-11,181	-4.5%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jessica Gaard	President	1.00	Officer Director	$0	$0	$0
Trent Gardner	Past President	1.00	Officer Director	$0	$0	$0
Jerry Theis	President Elect	1.00	Officer Director	$0	$0	$0
Krista Montague	Vice President/Secretary	1.00	Officer Director	$0	$0	$0
Brianne Radovich	Treasurer	1.00	Officer Director	$0	$0	$0
Jan Pursell	Board Member	1.00	Director	$0	$0	$0
Jens Selvig	Board Member	1.00	Director	$0	$0	$0
Dusty Young	Board Member	1.00	Director	$0	$0	$0
Jim Morrison	Board Member	1.00	Director	$0	$0	$0
Ed Lawler	Board Member	1.00	Director	$0	$0	$0
Bob Tambo	Board Member	1.00	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
2022	$90,531	$51,281	$308,290	$39,250
2021	$33,226	$44,407	$320,237	$-11,181
2020	$103,337	$90,343	$298,865	$12,994
2019	$133,909	$94,066	$292,780	$39,843
2018	$134,012	$122,562	$255,089	$11,450