BELGRADE CHAMBER OF COMMERCE (EIN 810371426) - 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

1967

Legal Domicile

Principal Officer

LISA BEEDY

Phone

4063881616

Tax Period

2024-01-01 to 2024-12-31

BELGRADE CHAMBER OF COMMERCE, founded in 1967, is a small nonprofit that reported $199K in total revenue in fiscal year 2024. Revenue surged 23% from the prior year, signaling strong growth momentum. The organization ran a surplus of $56K, a strong 28% operating margin.

Mission

THROUGH LEADERSHIP AND INTEGRITY, THE BELGRADE CHAMBER OF COMMERCE IS COMMITTED TO UNITE THE BUSINESS COMMUNITY AND ENHANCE THE QUALITY OF LIFE IN BELGRADE, MT

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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 $73,056

Program Service Revenue $93,338

Investment Income $954

Other Revenue $31,998

TOTAL REVENUE $199,346

Expense Breakdown

Grants Paid $0

Salaries & Benefits $92,602

Fundraising Expenses $0

Other Expenses $50,813

TOTAL EXPENSES $143,415

Year-over-Year Comparison

	2024	2023	Change
Revenue	$199,346	$162,187	+0.2%
Expenses	$143,415	$93,591	+0.5%
Net Income	$55,931	$68,596	-0.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MEGAN K ELLIOT	EXECUTIVE DIRECTOR	40.00		$50,769	$0	$50,769
ERIN K HOPPE	EMPLOYEE	40.00		$33,291	$0	$33,291

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	$199,346	$143,415	$267,125	$55,931
2023	$162,187	$93,591	$210,818	$68,596
2022	$228,109	$217,919	$144,739	$10,190
2021	$187,838	$180,789	$133,955	$7,049
2020	$220,319	$229,924	$126,557	$-9,605
2019	$156,375	$206,057	$136,634	$-49,682

BELGRADE CHAMBER OF COMMERCE