LOVELAND CHAMBER OF COMMERCE INC

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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

1940

Legal Domicile

Principal Officer

Mindy McCloughan

Phone

9707444791

Tax Period

2025-01-01 to 2025-12-31

LOVELAND CHAMBER OF COMMERCE INC, founded in 1940, is a small nonprofit that reported $735K in total revenue in fiscal year 2025. Revenue decreased 17% compared to the prior year.

Mission

Promote Economic Well Being of Members and the Community

Program Service Accomplishments

Program 1

Expenses: $722,990 Revenue: $679,340

Provide numerous opportunities for networking among members. Promote local business to visitors and to the community. Education and Training seminars offered throughout the year for the community.

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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 (2025)

Revenue Breakdown

Contributions & Grants $217,063

Program Service Revenue $296,991

Investment Income $0

Other Revenue $221,009

TOTAL REVENUE $735,063

Expense Breakdown

Grants Paid $0

Salaries & Benefits $355,493

Fundraising Expenses $0

Program Expenses $722,990

Other Expenses $164,738

TOTAL EXPENSES $722,990

Year-over-Year Comparison

	2025	2024	Change
Revenue	$735,063	$890,451	-0.2%
Expenses	$722,990	$889,397	-0.2%
Net Income	$12,073	$1,054	+10.5%

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

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

$120,195

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Mindy McCloughan	President and CEO	40	Key Emp Highest	$120,195	$0	$120,195
Heather Lelchook	Director	0.25	Director	$0	$0	$0
Sean Rutledge	Chair Elect	0.25	Director	$0	$0	$0
Michael Hausmann	Ex-Officio	0.25	Director	$0	$0	$0
Brian Cullins	Chairman	0.25	Director	$0	$0	$0
Sean Hawkins	Secretary	0.25	Director	$0	$0	$0
Jay Dokter	Director	0.25	Director	$0	$0	$0
Kristi Benningsdorf	Treasurer	0.25	Director	$0	$0	$0
Chad Brent	Director	0.25	Director	$0	$0	$0
Tom Lucero	Ex-officio	0.25	Director	$0	$0	$0
Don Marostica	Director	0.25	Director	$0	$0	$0
Grace Taylor	Director	0.25	Director	$0	$0	$0
Stephanie Fancher-English	Director	0.25	Director	$0	$0	$0
Jeff Breidenbach	Director	0.25	Director	$0	$0	$0
Portia Cook	Director	0.25	Director	$0	$0	$0
Shelby Hammond	Director	0.25	Director	$0	$0	$0
Matt Estin	Director	0.25	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
2025	$735,063	$722,990	$19,558	$12,073
2024	$890,451	$889,397	$7,485	$1,054
2023	$915,541	$911,100	$6,431	$4,441
2022	$854,882	$864,988	$1,990	$-10,106
2021	$949,566	$963,852	$12,096	$-14,286
2020	$622,102	$590,616	$27,660	$31,486
2019	$996,370	$992,096	$-8,090	$4,274
2018	$721,838	$768,671	$3,509	$-46,833