RUIDOSO VALLEY CHAMBER OF COMMERCE (EIN 850101554) - 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

1997

Legal Domicile

Principal Officer

DEBORAH DOUDS

Phone

5752577395

Tax Period

2024-07-01 to 2025-06-30

RUIDOSO VALLEY CHAMBER OF COMMERCE, founded in 1997, is a small nonprofit that reported $458K in total revenue in fiscal year 2024. Revenue decreased 15% compared to the prior year. Expenses of $511K exceeded revenue, resulting in a 12% operating deficit.

Mission

OUR MISSION IS TO FOSTER GROWTH, DEVELOPMENT AND PROSPERITY FOR RUIDOSO, RUIDOSO DOWNS AND THE SURROUNDING AREAS. "WHEN YOU INVEST IN OUR CHAMBER, YOU INVEST IN 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 (2024)

Revenue Breakdown

Contributions & Grants $363,218

Program Service Revenue $191,317

Investment Income $-115,671

Other Revenue $19,344

TOTAL REVENUE $458,208

Expense Breakdown

Grants Paid $0

Salaries & Benefits $255,120

Fundraising Expenses $0

Program Expenses $478,673

Other Expenses $256,081

TOTAL EXPENSES $511,201

Year-over-Year Comparison

	2024	2023	Change
Revenue	$458,208	$539,227	-0.2%
Expenses	$511,201	$438,535	+0.2%
Net Income	$-52,993	$100,692	-1.5%

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

N/A

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

$80,064

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RICHARD HOOD	CHAIR	1.00	Officer Director	$0	$0	$0
ROCHELLE LENTSCHKE	PAST CHAIR	1.00	Officer Director	$0	$0	$0
OSCAR BELTRAN	DIRECTOR	1.00	Director	$0	$0	$0
GAVIN BIGGER	DIRECTOR	1.00	Director	$0	$0	$0
JEANNINE CARRIER	DIRECTOR	1.00	Director	$0	$0	$0
JILL HARPER DUNCAN	DIRECTOR	1.00	Director	$0	$0	$0
SHIRLEY ESTES	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE MANIRE	DIRECTOR	1.00	Director	$0	$0	$0
CHUCK HARRE	DIRECTOR	1.00	Director	$0	$0	$0
CRYSTAL SIFUENTES	DIRECTOR	1.00	Director	$0	$0	$0
LEROY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
RYAN TROSPER	DIRECTOR	1.00	Director	$0	$0	$0
DEBORAH DOUDS	EXECUTIVE DI	40.00	Officer	$80,064	$0	$80,064

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	$458,208	$511,201	$669,906	$-52,993
2024	$539,227	$438,535	$735,793	$100,692
2023	$597,721	$426,739	$637,210	$170,982
2022	$420,920	$367,979	$467,133	$52,941
2021	$179,518	$263,710	$427,768	$-84,192
2020	$444,647	$453,602	$476,021	$-8,955
2019	$491,474	$466,675	$503,225	$24,799

RUIDOSO VALLEY CHAMBER OF COMMERCE