Windsor Area 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

1977

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

Windsor Area Chamber of Commerce, founded in 1977, is a small nonprofit that reported $522K in total revenue in fiscal year 2023.

Mission

To promote Local Community Welfare

Program Service Accomplishments

Program 1

Expenses: $552,103 Revenue: $516,103

Promote the General Welfare and best interests of the town of Windsor, CO and the surrounding area.

Program 2

Expenses: $2,000

Scholarships

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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 $276,373

Program Service Revenue $239,730

Investment Income $3,084

Other Revenue $2,700

TOTAL REVENUE $521,887

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $172,491

Fundraising Expenses $0

Program Expenses $554,103

Other Expenses $374,412

TOTAL EXPENSES $554,103

Year-over-Year Comparison

	2023	2022	Change
Revenue	$521,887	$529,701	0.0%
Expenses	$554,103	$500,341	+0.1%
Net Income	$-32,216	$29,360	-2.1%

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

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	Role	Reportable Comp	Other Comp	Total
Michael Gephart	Member	Director	$0	$0	$0
Briana Hale	Member	Director	$0	$0	$0
Sarah Dick	Member	Director	$0	$0	$0
Katie Smith	Representative	Director	$0	$0	$0
Vic Talon	Representative	Director	$0	$0	$0
Austin Andrews	Member	Director	$0	$0	$0
Terry Schwindler	Member	Director	$0	$0	$0
Kerri Voelker	Secretary	Director	$0	$0	$0
Dennis Houston	CEO	Officer	$0	$0	$0
Troy Baldwin	President	Officer	$0	$0	$0
Mark Sandifer	Treasurer	Officer	$0	$0	$0
Andi Lechman	VP	Officer	$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	$521,887	$554,103	$177,469	$-32,216
2022	$529,701	$500,341	$301,098	$29,360
2021	$359,948	$325,471	$107,413	$34,477
2020	$337,726	$295,165	$71,367	$42,561