BERTHOUD 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

2003

Legal Domicile

Principal Officer

REANNA PHILPOT

Phone

7204942552

Tax Period

2025-01-01 to 2025-12-31

BERTHOUD AREA CHAMBER OF COMMERCE, founded in 2003, is a small nonprofit in the Community Improvement sector that reported $289K in total revenue in fiscal year 2025. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $267K left a modest 8% 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.

Program Service Accomplishments

Program 1

THE CHAMBER PROVIDES AN ARRAY OF OUTSTANDING OPPORTUNITIES AND ESSENTIAL TOOLS TO HELP BUSINESSES THRIVE AND PROSPER. INCREASE VISIBILITY THROUGH A VARIETY OF NETWORKING OPPORTUNITIES, RIBBON CUTTING CEREMONIES, SPECIAL EVENTS, COMMUNITY ACTIVITIES, AFFORDABLE ONLINE ADVERTISING VIA THE WEBSITE, NEWSLETTER PROFILES, AS WELL AS NUMEROUS PARTNERSHIPS AND SPONSORSHIP OPPORTUNITIES.

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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 (2025)

Revenue Breakdown

Contributions & Grants $145,757

Program Service Revenue $142,626

Investment Income $1,024

Other Revenue $0

TOTAL REVENUE $289,407

Expense Breakdown

Grants Paid $116

Salaries & Benefits $121,963

Fundraising Expenses $0

Other Expenses $145,312

TOTAL EXPENSES $267,391

Year-over-Year Comparison

	2025	2024	Change
Revenue	$289,407	$255,978	+0.1%
Expenses	$267,391	$247,845	+0.1%
Net Income	$22,016	$8,133	+1.7%

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	SECRETARY	N/A	Officer Director	$0	$0	$0
MARJORIE GRIEK	PRESIDENT	N/A	Officer Director	$0	$0	$0
SANDER BLACKBURN	TREASURER	N/A	Officer Director	$0	$0	$0
CHRIS TIBBETS	DIRECTOR	N/A	Director	$0	$0	$0
RENAE HUPP	DIRECTOR	N/A	Director	$0	$0	$0
BRIAN BUBOIS	EX-OFFICIO	N/A	Director	$0	$0	$0
AMY LANE	DIRECTOR	N/A	Director	$0	$0	$0
BILL BECKER	EX-OFFICIO	N/A	Director	$0	$0	$0
CHRIS JAMES	DIRECTOR	N/A	Director	$0	$0	$0
MARY ILIFF	EX-OFFICIO	N/A	Director	$0	$0	$0
JASON ELKINS	DIRECTOR	N/A	Director	$0	$0	$0
JESSICA QUINTANA	VICE PRESIDENT	N/A	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
2025	$289,407	$267,391	$140,378	$22,016
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