CASTLE ROCK CHAMBER OF COMMERCE (EIN 840802658) - 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

1955

Legal Domicile

Principal Officer

STACY GARMON

Phone

3036884597

Tax Period

2023-03-01 to 2023-12-31

CASTLE ROCK CHAMBER OF COMMERCE, founded in 1955, is a small nonprofit that reported $617K in total revenue in fiscal year 2023. The organization ran a surplus of $102K, a strong 17% operating margin.

Mission

THE CASTLE ROCK CHAMBER OF COMMERCE IS DEDICATED TO SUPPORTING, ENCOURAGING, AND PROMOTING MEMBER BUSINESSES IN 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 (2023)

Revenue Breakdown

Contributions & Grants $608,543

Program Service Revenue $22,554

Investment Income $177

Other Revenue $-14,056

TOTAL REVENUE $617,218

Expense Breakdown

Grants Paid $0

Salaries & Benefits $285,698

Fundraising Expenses $146,468

Program Expenses $190,927

Other Expenses $229,063

TOTAL EXPENSES $514,761

Year-over-Year Comparison

	2023	2022	Change
Revenue	$617,218	$628,133	0.0%
Expenses	$514,761	$740,444	-0.3%
Net Income	$102,457	$-112,311	-1.9%

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

544

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

$135,587

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ROB OSBORN	BOARD CHAIR	1.25	Officer Director	$0	$0	$0
KRIS BRADER	CHAIR-ELECT	1.25	Officer Director	$0	$0	$0
MARY ANDERSON	DIRECTOR	1.25	Director	$0	$0	$0
STEVE PETERSON	TREASURER	1.25	Officer Director	$0	$0	$0
DAWN GABRIEL	TREASURER-EL	1.25	Officer Director	$0	$0	$0
LESLEY FROHNHOEFER	DIRECTOR	N/A	Director	$0	$0	$0
JASON DEYOUNG	DIRECTOR	1.25	Director	$0	$0	$0
JAY EGGER	DIRECTOR	1.25	Director	$0	$0	$0
MATTHEW GAL	DIRECTOR	1.25	Director	$0	$0	$0
TOM HENLEY	DIRECTOR	N/A	Director	$0	$0	$0
ANGEL KELCHEN	DIRECTOR	1.25	Director	$0	$0	$0
HANNAH PAILLE	DIRECTOR	1.25	Director	$0	$0	$0
STEVE THAYER	DIRECTOR	1.25	Director	$0	$0	$0
JOHN DE LAY	DIRECTOR	1.25	Director	$0	$0	$0
LINDA WATSON	DIRECTOR	1.25	Director	$0	$0	$0
KEVIN BRACKEN	DIRECTOR-NON	0.50	Director	$0	$0	$0
DESIREE LAFLEUR	DIRECTOR-NON	0.50	Director	$0	$0	$0
DAVE CORLISS	DIRECTOR-NON	0.50	Director	$0	$0	$0
KARAH REYGERS	DIRECTOR-NON	0.50	Director	$0	$0	$0
STACY GARMON	PRESIDENT/CE	40.00	Officer	$120,539	$15,048	$135,587

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	$628,133	$740,444	$293,533	$-112,311
2023	$617,218	$514,761	$284,825	$102,457
2022	$811,090	$554,174	$448,100	$256,916
2021	$499,687	$586,992	$277,462	$-87,305
2020	$614,880	$589,718	$210,483	$25,162
2019	$549,000	$608,601	$59,370	$-59,601
2018	$562,245	$584,307	$210,289	$-22,062

CASTLE ROCK CHAMBER OF COMMERCE