Kremmling 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

1983

Legal Domicile

Principal Officer

Dawna Heller

Phone

9707243472

Tax Period

2023-01-01 to 2023-12-31

Kremmling Area Chamber of Commerce, founded in 1983, is a small nonprofit that reported $271K in total revenue in fiscal year 2023. Revenue surged 34% from the prior year, signaling strong growth momentum. Expenses of $259K left a modest 4% surplus.

Mission

To support, promote and empower local business growth thorugh collaboration and networking while providing resoruces to increase revenue-genrating opportunities of recurring prosperity.

Program Service Accomplishments

Program 1

Expenses: $258,751

The Chamber has achieved their purpose by providing events for families and businesses such as Kremmling Days, the Wolford fishing contests, annual Easter egg hunt and many more activities

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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 $182,625

Program Service Revenue $87,300

Investment Income $869

Other Revenue $0

TOTAL REVENUE $270,794

Expense Breakdown

Grants Paid $0

Salaries & Benefits $97,011

Fundraising Expenses $0

Program Expenses $258,751

Other Expenses $161,740

TOTAL EXPENSES $258,751

Year-over-Year Comparison

	2023	2022	Change
Revenue	$270,794	$202,611	+0.3%
Expenses	$258,751	$198,711	+0.3%
Net Income	$12,043	$3,900	+2.1%

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
Dawna Heller	President	1.00	Officer Director	$0	$0	$0
Taedra Hickam	Treasurer	1.00	Director	$0	$0	$0
Chelsea Haines	Director	1.00	Director	$0	$0	$0
Shane Stevie	Director	1.00	Director	$0	$0	$0
Rosie Stahl	Secretary	1.00	Director	$0	$0	$0
Sydney Prior	Director	1.00	Director	$0	$0	$0
Cindy Multerer	Director	1.00	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	$270,794	$258,751	$53,688	$12,043
2022	$202,611	$198,711	$41,051	$3,900
2021	$208,685	$218,402	$39,424	$-9,717