BEAR PAW DEVELOPMENT CORP (EIN 810302638) - 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

1968

Legal Domicile

Phone

4062659226

Tax Period

2023-01-01 to 2023-12-31

BEAR PAW DEVELOPMENT CORP, founded in 1968, is a community nonprofit in the Community Improvement sector that reported $3.2M in total revenue in fiscal year 2023. Revenue surged 111% from the prior year, signaling strong growth momentum. The organization ran a surplus of $2.1M, a strong 64% operating margin.

Mission

THE COMPANY'S PRIMARY FUNCTION IS THE ENCOURAGEMENT OF ECONOMIC DEVELOPMENT IN HILL, BLAINE, LIBERTY, PHILLIPS AND CHOUTEAU COUNTIES OF MONTANA.

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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 $2,602,823

Program Service Revenue $176,936

Investment Income $437,511

Other Revenue $0

TOTAL REVENUE $3,217,270

Expense Breakdown

Grants Paid $0

Salaries & Benefits $632,950

Fundraising Expenses $0

Program Expenses $944,866

Other Expenses $518,442

TOTAL EXPENSES $1,151,392

Year-over-Year Comparison

	2023	2022	Change
Revenue	$3,217,270	$1,522,594	+1.1%
Expenses	$1,151,392	$1,388,502	-0.2%
Net Income	$2,065,878	$134,092	+14.4%

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

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

$247,817

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVE SKIFF	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE CALLAHAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
GREG KEGEL	DIRECTOR	1.00	Director	$0	$0	$0
KAREY BISHOP	DIRECTOR	1.00	Director	$0	$0	$0
KIRSTEN KAMMERZELL	DIRECTOR	1.00	Director	$0	$0	$0
RHONDA BREWER	DIRECTOR	1.00	Director	$0	$0	$0
RON YOUNG	TREASURER	1.00	Officer Director	$0	$0	$0
TERRY BROCKIE	DIRECTOR	1.00	Director	$0	$0	$0
TIM SOLOMON	DIRECTOR	1.00	Director	$0	$0	$0
BRUCE CHRISTOFFERSON	DIRECTOR	1.00	Director	$0	$0	$0
DIANE MCLEAN	DIRECTOR	1.00	Director	$0	$0	$0
DOUG KAERCHER	SECRETARY	1.00	Officer Director	$0	$0	$0
EMILY HARSHMAN	DIRECTOR	1.00	Director	$0	$0	$0
FRANK DEPRIEST	DIRECTOR	1.00	Director	$0	$0	$0
JIM GHEKIERE	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
JOESEPH WERTZ	DIRECTOR	1.00	Director	$0	$0	$0
JOHN DEMARAIS	DIRECTOR	1.00	Director	$0	$0	$0
LANNY WALKER	DIRECTOR	1.00	Director	$0	$0	$0
RICK DARLINGTON	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT ROSS	DIRECTOR	1.00	Director	$0	$0	$0
WENDY KLEINSASSER	DIRECTOR	1.00	Director	$0	$0	$0
LEONA KIENENBERGER	DIRECTOR	1.00	Director	$0	$0	$0
RICHARD SANGREY	DIRECTOR	1.00	Director	$0	$0	$0
LORETTA BELL	DIRECTOR	1.00	Director	$0	$0	$0
TIFFANY MELBY	LOAN OFFICER	40.00	Officer	$15,178	$664	$15,842
STEFNIE REDDING	DOO	40.00	Officer	$59,207	$6,632	$65,839
PAUL TUSS	ED	40.00	Officer	$96,938	$7,467	$104,405
PATRISHA CICHOSZ	LOAN OFFICER	40.00	Officer	$57,671	$4,060	$61,731

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	$3,217,270	$1,151,392	$12,950,980	$2,065,878
2022	$1,522,594	$1,388,502	$10,521,298	$134,092
2021	$3,629,842	$1,526,463	$10,546,975	$2,103,379
2020	$1,547,539	$1,092,998	$8,356,902	$454,541
2019	$1,266,940	$1,251,305	$7,887,338	$15,635
2018	$1,002,903	$947,416	$7,888,591	$55,487

BEAR PAW DEVELOPMENT CORP