Superior 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

1998

Legal Domicile

Principal Officer

Nick Crothers

Phone

3035540789

Tax Period

2024-01-01 to 2024-12-31

Superior Chamber of Commerce, founded in 1998, is a small nonprofit in the Community Improvement sector that reported $234K in total revenue in fiscal year 2024.

Mission

To strengthen, support and promote economic vitality of our member businesses and the community interests of Superior.

Program Service Accomplishments

Program 1

Expenses: $19,328 Revenue: $18,890

This year, our second SuperiHER Women's Business Conference and Expo achievedremarkable success, with attendance increasing by 52% and selling out an entire month in advance. The conference showcased an impressive lineup of 12 dynamic speakers,welcomed 200 attendees, and featured 40 exhibitors. This milestone event highlighted our dedication to supporting growth and empowerment within the womens business community.

Program 2

Expenses: $10,587 Revenue: $24,663

In partnership with the Town of Superior and Blue Sport Stable, we hosted our secondannual Superior Winter Festival in Downtown Superior. This vibrant community eventfeatured 72 local businessesa...

In partnership with the Town of Superior and Blue Sport Stable, we hosted our secondannual Superior Winter Festival in Downtown Superior. This vibrant community eventfeatured 72 local businessesa 111% increase from the previous yearand drew anestimated attendance of over 5,000 people, making it a standout and festive highlight on our community calendar.

Program 3

Expenses: $6,370 Revenue: $16,598

Our Eat-Sip-Shop-Play Superior initiative a dynamic effort dedicated to uplifting small businesses and encouraging local spending. This program invites both residents and visitors to embrace the rich tapestry of Superiors business community, offeringexclusive deals, promotions, and invitations to engaging local events. EAT SIP SHOPPLAY SUPERIOR Over the year, we produced five highly successful guides: theWelcome to Superior Guide, Valentine's Day Guide, Mother's Day Guide, SmallBusiness Saturday Guide, and the Superior Holiday Guide. COLORADO Each guidefeatured between 2030 local businesses, averaged over 3,000+ hits online, and helped consumers find deals and happenings in Superior all in one central place.

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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 $20,075

Program Service Revenue $214,303

Investment Income $1

Other Revenue $0

TOTAL REVENUE $234,379

Expense Breakdown

Grants Paid $1,000

Salaries & Benefits $123,137

Fundraising Expenses $0

Program Expenses $36,285

Other Expenses $110,870

TOTAL EXPENSES $235,007

Year-over-Year Comparison

	2024	2023	Change
Revenue	$234,379	$223,567	+0.0%
Expenses	$235,007	$270,975	-0.1%
Net Income	$-628	$-47,408	-1.0%

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

$61,250

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Leslie Espinoza	Exec Director	40.00	Officer	$61,250	$0	$61,250
Pam Brown	Director	0.50	Director	$0	$0	$0
Nick Crothers	President	0.50	Officer Director	$0	$0	$0
Mona Hart	Director	0.50	Director	$0	$0	$0
Bobby Mathieson	Director	1.00	Director	$0	$0	$0
Joey Paull Yoder	VP- Events	1.00	Officer Director	$0	$0	$0
Jeanie Jones	Director	1.00	Director	$0	$0	$0
Eric Gibson	Director	0.50	Director	$0	$0	$0
Samina Nadiadi	VP- Memberships	0.50	Officer Director	$0	$0	$0
Justen Staufer	Treasurer	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
2025	No data	No data	No data	No data
2024	$234,379	$235,007	$3,502	$-628
2023	$223,567	$270,975	$4,130	$-47,408
2022	$202,590	$220,334	$51,538	$-17,744