ELKO 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

1907

Legal Domicile

Principal Officer

BILLIE CRAPO

Phone

7757387135

Tax Period

2025-01-01 to 2025-12-31

ELKO CHAMBER OF COMMERCE, founded in 1907, is a small nonprofit that reported $693K in total revenue in fiscal year 2025. Revenue surged 58% from the prior year, signaling strong growth momentum. The organization ran a surplus of $210K, a strong 30% operating margin.

Mission

TO PROMOTE LOCAL BUSINESS, ECONOMIC DEVELOPMENT, AND TOURISM IN THE ELKO COUNTY AREA

Program Service Accomplishments

Program 1

Expenses: $479,014 Revenue: $119,616

THE ELKO CHAMBER OF COMMERCE EMPLOYEES FOUR FULL-TIME PERSONNEL. THE EMPLOYEES AND NUMBEROUS VOLUNTEERS IMPLEMENT THE VARIOUS PROGRAMS THE CHAMBER RUNS. THE CHAMBER OFFICE ALSO SERVES AS A VISTORS...

THE ELKO CHAMBER OF COMMERCE EMPLOYEES FOUR FULL-TIME PERSONNEL. THE EMPLOYEES AND NUMBEROUS VOLUNTEERS IMPLEMENT THE VARIOUS PROGRAMS THE CHAMBER RUNS. THE CHAMBER OFFICE ALSO SERVES AS A VISTORS AND INFORMATION CENTER FOR NORTHEASTERN NEVADA. THE CHAMBER IS HOUSED IN THE RECONSTRUCTED HISTORICAL SHERMAN STATION, WHICH ALSO SERVES AS AN ATTRACTION. THE CHAMBER PRODUCES SEVERAL PUBLICATIONS DURING THE YEAR, INCLUDING: FOUR-COLOR AREA MAP, ACCOMMODATION AND DINING GUIDE, COMMUNITY CALENDAR OF EVENTS, CLUBS AND ORGANIZATIONS CONTACTS, CHAMBER NEWSLETTERS AND LOCAL SHEETS, FOUR-COLOR BUSINESS DIRECTORY, AND THE SHERMAN STATION BROCHURE. THE CHAMBER RESPONDS TO THOUSANDS OF WRITTEN AND ORAL REQUESTS FOR RELOCATION PACKETS AND TOURISM INFORMATION ANNUALLY THROUGH PHONE, INTERNENT SERVICES, US MAIL, AND IN-PERSON AT THE OFFICE. A FREESTANDING, FULLY STAFFED OFFICE IS SUPPORTED BY THE CHAMBER TO SERVE AS A VISTOR AND TOURIST CENTER, AS WELL AS BEING THE CENTER FOR ALL MEMBERSHIP SERVICES AND INFORMATIONS. THE CHAMBER PROVIDES NETWORKING AND COMMUNITY INFORMATION FOR BUSINESSES, (PROSPECTIVE, NEW AND EXISTING), THROUGH PROGRAMS SUCH AS BUSINESS AFTER- HOURS THE CHAMBER PROVIDES A VENUE FOR MEMBER BUSINESSES TO PROMOTE THEMSELVES THROUGH BROCHURES IN THE VISTOR'S CENTER, THE MAY HOME AND BUSINESS EXPO, AND VARIOUS ACTIVITIES HELD THROUGHOUT THE YEAR.

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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 $258,260

Program Service Revenue $119,616

Investment Income $52,204

Other Revenue $262,604

TOTAL REVENUE $692,684

Expense Breakdown

Grants Paid $0

Salaries & Benefits $305,335

Fundraising Expenses $0

Program Expenses $483,153

Other Expenses $177,818

TOTAL EXPENSES $483,153

Year-over-Year Comparison

	2025	2024	Change
Revenue	$692,684	$437,141	+0.6%
Expenses	$483,153	$438,241	+0.1%
Net Income	$209,531	$-1,100	-191.5%

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

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

$112,400

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILLIE CRAPO	SECRETARY/EX	40.00	Officer	$112,400	$0	$112,400
SHIRLEY ALEN-KELLERMAN	TREASURER	1.00	Officer Director	$0	$0	$0
HAYLEY BAMMESBERGER	BOARD MEMBER	1.00	Director	$0	$0	$0
JOSH BYERS	BOARD MEMBER	1.00	Director	$0	$0	$0
JAYMIE DONOVAN	1ST VICE CHA	1.00	Officer Director	$0	$0	$0
NIKITA GROVER	BOARD MEMBER	1.00	Director	$0	$0	$0
CHERYL HENNING	BOARD MEMBER	1.00	Director	$0	$0	$0
KATIE KRENKA	CHAIR	1.00	Officer Director	$0	$0	$0
LESLIE MAPLE	BOARD MEMBER	1.00	Director	$0	$0	$0
MATTHEW MILLER	BOARD MEMBER	1.00	Director	$0	$0	$0
RANDY RIDGEWAY	PAST CHAIR	1.00	Officer Director	$0	$0	$0
MARC SMITH	BOARD MEMBER	1.00	Director	$0	$0	$0
TODD SORENSON	2ND VICE CHA	1.00	Officer Director	$0	$0	$0
MICAH WILLIAMS	BOARD MEMBER	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
2025	$692,684	$483,153	$1,941,727	$209,531
2024	No data	No data	No data	No data
2023	$396,013	$394,857	$1,511,260	$1,156
2022	$348,363	$401,399	$1,336,586	$-53,036
2021	$368,567	$318,770	$1,326,866	$49,797
2020	$358,031	$295,190	$1,306,682	$62,841
2019	$388,725	$347,139	$898,645	$41,586
2018	$337,066	$344,192	$562,656	$-7,126