CRESTED BUTTE MT CRESTED BUTTE CHAMBER OF COMMERCE (EIN 840905627) - 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

1980

Legal Domicile

Principal Officer

JOSHUA FUTTERMAN

Phone

9703496438

Tax Period

2023-01-01 to 2023-12-31

CRESTED BUTTE MT CRESTED BUTTE CHAMBER OF COMMERCE, founded in 1980, is a small nonprofit that reported $392K in total revenue in fiscal year 2023. Revenue decreased 10% compared to the prior year. Expenses of $463K exceeded revenue, resulting in a 18% operating deficit.

Mission

TO ENCOURAGE ECONOMIC PROSPERITY BY PROMOTING AND PROTECTING THE BUSINESS INTERESTS OF 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 $250,539

Program Service Revenue $129,437

Investment Income $252

Other Revenue $11,577

TOTAL REVENUE $391,805

Expense Breakdown

Grants Paid $0

Salaries & Benefits $210,935

Fundraising Expenses $124,274

Other Expenses $252,187

TOTAL EXPENSES $463,122

Year-over-Year Comparison

	2023	2022	Change
Revenue	$391,805	$434,164	-0.1%
Expenses	$463,122	$409,345	+0.1%
Net Income	$-71,317	$24,819	-3.9%

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

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
CLAY DIERS	TREASURER	1.00	Officer Director	$0	$0	$0
JOSHUA FUTTERMAN	PRESIDENT	1.00	Officer Director	$0	$0	$0
BRETT HENDERSON	DIRECTOR	0.50	Officer Director	$0	$0	$0
KEVIN KOVAL	VICE PRESIDE	0.50	Officer Director	$0	$0	$0
ALEC LINDEMAN	EX-OFFICIO M	0.25	Officer Director	$0	$0	$0
JANA MARTIN	SECRETARY	0.50	Officer Director	$0	$0	$0
MATTHEW PRICE	DIRECTOR	0.50	Officer Director	$0	$0	$0
KATE SCHMIDT	DIRECTOR	0.50	Officer 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	No data	No data	No data	No data
2023	$391,805	$463,122	$128,875	$-71,317
2022	$434,164	$409,345	$176,768	$24,819
2021	$356,505	$302,642	$192,603	$53,863
2020	$277,006	$282,360	$144,453	$-5,354
2019	$500,590	$489,652	$161,795	$10,938
2018	$486,596	$471,092	$155,826	$15,504

CRESTED BUTTE MT CRESTED BUTTE CHAMBER OF COMMERCE