CASTLE ROCK 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

1955

Legal Domicile

Principal Officer

STACY GARMON

Phone

3036884597

Tax Period

2022-03-01 to 2023-02-28

CASTLE ROCK CHAMBER OF COMMERCE, founded in 1955, is a small nonprofit that reported $628K in total revenue in fiscal year 2022. Revenue fell 23% from the prior year — a significant decline worth monitoring. Expenses of $740K exceeded revenue, resulting in a 18% operating deficit.

Mission

THE CASTLE ROCK CHAMBER OF COMMERCE IS DEDICATED TO SUPPORTING, ENCOURAGING, AND PROMOTING MEMBER BUSINESSES IN THE COMMUNITY.

Program Service Accomplishments

Program 1

Expenses: $405,490

BUSINESS PROMOTION OF CASTLE ROCK

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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 (2022)

Revenue Breakdown

Contributions & Grants $588,456

Program Service Revenue $16,424

Investment Income $226

Other Revenue $23,027

TOTAL REVENUE $628,133

Expense Breakdown

Grants Paid $0

Salaries & Benefits $345,154

Fundraising Expenses $203,015

Program Expenses $405,490

Other Expenses $395,290

TOTAL EXPENSES $740,444

Year-over-Year Comparison

	2022	2021	Change
Revenue	$628,133	$811,090	-0.2%
Expenses	$740,444	$554,174	+0.3%
Net Income	$-112,311	$256,916	-1.4%

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

312

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

$158,896

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KRIS BRADER	BOARD CHAIRM	6.00	Officer Director	$0	$0	$0
MARY ANDERSON	CHAIR-ELECT	4.00	Officer Director	$0	$0	$0
KEVIN MCHUGH	PAST CHAIR	6.00	Officer Director	$0	$0	$0
JOHN DE LAY	DIRECTOR	1.00	Director	$0	$0	$0
THUY ARAGON	TREASURER	6.00	Officer Director	$0	$0	$0
ABBY L TARDIFF	TREASURER-EL	4.00	Officer Director	$0	$0	$0
LESLEY FROHNHOEFER	DIRECTOR	1.00	Director	$0	$0	$0
AARON BARRICK ESQ	DIRECTOR	1.00	Director	$0	$0	$0
DAWN GABRIEL	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW GAL	DIRECTOR	1.00	Director	$0	$0	$0
COURTNEY LOEHFELM	DIRECTOR	0.50	Director	$0	$0	$0
ANGEL KELCHEN	DIRECTOR	1.00	Director	$0	$0	$0
JOSE MEDINA	DIRECTOR	0.50	Director	$0	$0	$0
LISA MILES	DIRECTOR	1.00	Director	$0	$0	$0
ROB OSBORN	DIRECTOR	1.00	Director	$0	$0	$0
LINDA WATSON	DIRECTOR	1.00	Director	$0	$0	$0
STEVE PETERSON	DIRECTOR	1.00	Director	$0	$0	$0
STEVE THAYER	DIRECTOR	1.00	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	$11,500	$1,049	$12,549
PAMELA RIDLER	EX-PRESIDENT	40.00	Officer	$124,909	$21,438	$146,347

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