Rifle Area Chamber of Commerce dba Colorado River Valley Chamber of Com (EIN 840431584) - 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

1954

Legal Domicile

Principal Officer

Larry Stewart

Phone

9706252085

Tax Period

2024-01-01 to 2024-12-31

Rifle Area Chamber of Commerce dba Colorado River Valley Chamber of Com, founded in 1954, is a micro nonprofit in the Community Improvement sector that reported $85K in total revenue in fiscal year 2024. Revenue fell 62% from the prior year — a significant decline worth monitoring. Expenses of $106K exceeded revenue, resulting in a 24% operating deficit.

Mission

Economic development to encourage business and social activity through program services

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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 $60,718

Program Service Revenue $0

Investment Income $4,567

Other Revenue $20,111

TOTAL REVENUE $85,396

Expense Breakdown

Grants Paid $0

Salaries & Benefits $57,248

Fundraising Expenses $0

Program Expenses $28,595

Other Expenses $48,786

TOTAL EXPENSES $106,034

Year-over-Year Comparison

	2024	2023	Change
Revenue	$85,396	$222,746	-0.6%
Expenses	$106,034	$141,384	-0.3%
Net Income	$-20,638	$81,362	-1.3%

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

N/A

Employees

N/A

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
Larry Stewart	Chairman	2.00	Director	$0	$0	$0
Jack Kirkpatrick	Treasurer	2.00	Director	$0	$0	$0
Lindsey Ellsworth	Secretary	2.00	Director	$0	$0	$0
Mandie Dovey	Director	2.00	Director	$0	$0	$0
Clint Hostettler	Director	2.00	Director	$0	$0	$0
Alex Garcia-Bernal	Director	2.00	Director	$0	$0	$0
Kevin Atchison	Director	2.00	Director	$0	$0	$0
Trent Halligan	Director	2.00	Director	$0	$0	$0
Desi Kirkpatrick	Director	2.00	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	$85,396	$106,034	$201,845	$-20,638
2023	$222,746	$141,384	$224,184	$81,362
2019	$155,010	$191,400	$407,683	$-36,390
2018	$163,133	$157,355	$448,802	$5,778

Rifle Area Chamber of Commerce dba Colorado River Valley Chamber of Com