GUNNISON 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

1925

Legal Domicile

Principal Officer

CHERYL DILLARD

Phone

9706411501

Tax Period

2024-01-01 to 2024-12-31

GUNNISON CHAMBER OF COMMERCE, founded in 1925, is a small nonprofit that reported $212K in total revenue in fiscal year 2024.

Mission

THE GUNNISON COUNTY CHAMBER OF COMMERCE IS DEDICATED TO CREATING AN ENVIRONMENT IN WHICH BUSINESSES CAN SUCCEED AND PROVIDING VISITOR SERVICES WHICH POSITIVELY IMPACT GUNNISON'S TOURISM ECONOMY.

Program Service Accomplishments

Program 1

VISITOR'S CENTER: PHYSICAL SPACE OPERATED IN ORDER TO PROVIDE INFORMATION TO TRAVELER'S ABOUT LOCAL BUSINESSES.

Program 2

ANNUAL GOLF TOURNAMENT: COMMUNITY FUNDRAISER TO PROMOTE LOCAL BUSINESSES AND CREATE CHAMBER AWARENESS.

Program 3

GREENBACK PROGRAM: PRINTING AND DISTRIBUTION OF LOCAL COUPONS DURING THE HOLIDAY SEASON TO PROMOTE LOCAL SHOPPING.

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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 $193,016

Program Service Revenue $15,700

Investment Income $3,746

Other Revenue $0

TOTAL REVENUE $212,462

Expense Breakdown

Grants Paid $0

Salaries & Benefits $130,020

Fundraising Expenses $0

Other Expenses $81,245

TOTAL EXPENSES $211,265

Year-over-Year Comparison

	2024	2023	Change
Revenue	$212,462	$206,489	+0.0%
Expenses	$211,265	$225,402	-0.1%
Net Income	$1,197	$-18,913	-1.1%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHERYL DILLARD	PRESIDENT	N/A	Officer	$0	$0	$0
LUKE SCHUMACHER	TREASURER	N/A	Officer	$0	$0	$0
KENDAL ROTA	SECRETARY	N/A	Officer	$0	$0	$0
JOSH TOWNSEND	DIRECTOR	N/A	Director	$0	$0	$0
CHRIS LAYNE	DIRECTOR	N/A	Director	$0	$0	$0
KELSEY LOFTIS	DIRECTOR	N/A	Director	$0	$0	$0
JOSEPH KEAN	DIRECTOR	N/A	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	No data	No data	No data	No data
2024	$212,462	$211,265	$240,103	$1,197
2023	$206,489	$225,402	$239,180	$-18,913
2022	$208,288	$224,518	$257,448	$-16,230
2021	$213,669	$190,782	$284,708	$22,887
2020	$200,195	$191,818	$319,522	$8,377
2019	$201,660	$194,777	$248,677	$6,883
2018	$203,689	$163,007	$241,837	$40,682