BERTHOUD AREA CHAMBER OF COMMERCE (EIN 840929831) - 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

2003

Legal Domicile

Principal Officer

REANNA PHILPOT

Phone

7204942552

Tax Period

2024-01-01 to 2024-12-31

BERTHOUD AREA CHAMBER OF COMMERCE, founded in 2003, is a small nonprofit in the Community Improvement sector that reported $256K in total revenue in fiscal year 2024. Revenue surged 39% from the prior year, signaling strong growth momentum. Expenses of $248K left a modest 3% surplus.

Mission

To serve as the unwavering voice of our local business community. We promote collaboration, advocate for businesses, provide high-quality networking and professional development opportunities to our members. Through these efforts we foster an empowering and vibrant business community for all our stakeholders.

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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 $123,752

Program Service Revenue $137,651

Investment Income $295

Other Revenue $-5,720

TOTAL REVENUE $255,978

Expense Breakdown

Grants Paid $250

Salaries & Benefits $95,217

Fundraising Expenses $0

Other Expenses $152,378

TOTAL EXPENSES $247,845

Year-over-Year Comparison

	2024	2023	Change
Revenue	$255,978	$184,398	+0.4%
Expenses	$247,845	$212,874	+0.2%
Net Income	$8,133	$-28,476	-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

Employees

Volunteers

125

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
Debbie Davis	President	N/A	Officer Director	$0	$0	$0
Kristin Brown	Past-President	N/A	Officer Director	$0	$0	$0
Marjorie Griek	Vice President	N/A	Officer Director	$0	$0	$0
Sander Blackburn	Treasurer	N/A	Officer Director	$0	$0	$0
Stephanie Howell	Secretary	N/A	Officer Director	$0	$0	$0
Josh Jones	Director	N/A	Director	$0	$0	$0
Chris James	Director	N/A	Director	$0	$0	$0
Nick Douccette	Director	N/A	Director	$0	$0	$0
Renae Hupp	Director	N/A	Director	$0	$0	$0
Ryan Rohman	Ex-Officio	N/A	Director	$0	$0	$0
Amy Lane	Ex-Officio	N/A	Director	$0	$0	$0
Bill Markham	Ex-Officio	N/A	Director	$0	$0	$0
Chief Charles	Ex-Officio	N/A	Director	$0	$0	$0
Sgt James Anderson	Ex-Officio	N/A	Director	$0	$0	$0
Mary Iliff	Ex-Officio	N/A	Director	$0	$0	$0
Walt Elish	Ex-Officio	N/A	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	$255,978	$247,845	$121,554	$8,133
2023	$184,398	$212,874	$107,517	$-28,476
2022	$147,733	$124,990	$133,094	$22,743
2021	$210,522	$193,667	$111,762	$16,855
2020	$187,420	$197,621	$96,055	$-10,201
2019	$271,573	$267,132	$92,035	$4,441
2018	$236,657	$219,702	$89,813	$16,955

BERTHOUD AREA CHAMBER OF COMMERCE