CRAIG 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

1946

Legal Domicile

Principal Officer

JENNIFER HOLLOWAY

Phone

9708245689

Tax Period

2023-01-01 to 2023-12-31

CRAIG CHAMBER OF COMMERCE, founded in 1946, is a small nonprofit that reported $784K in total revenue in fiscal year 2023. Revenue surged 54% from the prior year, signaling strong growth momentum. The organization ran a surplus of $382K, a strong 49% operating margin.

Mission

IMPROVE THE ECONOMY OF THE LOCAL COMMUNITY

Program Service Accomplishments

Program 1

Expenses: $402,334

MEMBERSHIP OF LOCAL BUSINESSES, RUN THE MOFFAT COUNTY VISITOR CENTER AND SPORTSMAN INFORMATION CENTER, RAISE FUNDS IN SUPPORT OF PROGRAMS AND MUTUAL BENEFICIAL INTEREST IN THE SUPPORT OF THE LOCAL...

MEMBERSHIP OF LOCAL BUSINESSES, RUN THE MOFFAT COUNTY VISITOR CENTER AND SPORTSMAN INFORMATION CENTER, RAISE FUNDS IN SUPPORT OF PROGRAMS AND MUTUAL BENEFICIAL INTEREST IN THE SUPPORT OF THE LOCAL ECONOMY.

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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 $706,328

Program Service Revenue $72,381

Investment Income $5,357

Other Revenue $0

TOTAL REVENUE $784,066

Expense Breakdown

Grants Paid $0

Salaries & Benefits $221,832

Fundraising Expenses $0

Program Expenses $402,334

Other Expenses $180,503

TOTAL EXPENSES $402,335

Year-over-Year Comparison

	2023	2022	Change
Revenue	$784,066	$509,609	+0.5%
Expenses	$402,335	$565,040	-0.3%
Net Income	$381,731	$-55,431	-7.9%

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

$79,760

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JENNIFER HOLLOWAY	Executive Dir.	40.00	Director	$79,760	$0	$79,760
RANDY LOOPER	Treasurer	1.00	Officer Director	$0	$0	$0
TIM OSBORNE	President	1.00	Officer Director	$0	$0	$0
KRISTEN CORRIVEAU	Secretary	1.00	Officer Director	$0	$0	$0
BECKY FORNEY	MEMBER	1.00	Director	$0	$0	$0
TYLER JOHNSON	MEMBER	1.00	Director	$0	$0	$0
LORI GOWDY	MEMBER	1.00	Director	$0	$0	$0
CHRIS NICHOLS	MEMBER	1.00	Director	$0	$0	$0
JIM FERREE	MEMBER	1.00	Director	$0	$0	$0
SASHA NELSON	MEMBER	1.00	Director	$0	$0	$0
PAULA CHAPMAN	MEMBER	1.00	Director	$0	$0	$0
KIRSTIE MCPHERSON	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
2024	No data	No data	No data	No data
2023	$784,066	$402,335	$597,250	$381,731
2022	$509,609	$565,040	$252,130	$-55,431
2021	$456,321	$317,185	$328,004	$139,136
2020	$96,721	$70,126	$184,910	$26,595
2019	$228,734	$246,682	$129,925	$-17,948
2018	$224,198	$197,658	$180,260	$26,540