Winthrop Chamber of Commerce (EIN 911625061) - 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

1970

Legal Domicile

Principal Officer

Lindsay Evans

Phone

5099962542

Tax Period

2025-01-01 to 2025-12-31

Winthrop Chamber of Commerce, founded in 1970, is a small nonprofit that reported $259K in total revenue in fiscal year 2025. Revenue fell 22% from the prior year — a significant decline worth monitoring. Expenses of $320K exceeded revenue, resulting in a 24% operating deficit.

Mission

Grow and support the community, committed to developing a vibrant Winthrop and Methow Valley economy.

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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 $258,504

Program Service Revenue $0

Investment Income $10

Other Revenue $0

TOTAL REVENUE $258,514

Expense Breakdown

Grants Paid $0

Salaries & Benefits $46,760

Fundraising Expenses $0

Program Expenses $308,653

Other Expenses $273,123

TOTAL EXPENSES $319,883

Year-over-Year Comparison

	2025	2024	Change
Revenue	$258,514	$332,647	-0.2%
Expenses	$319,883	$286,635	+0.1%
Net Income	$-61,369	$46,012	-2.3%

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
Paul Peterson	President	2.00	Officer	$0	$0	$0
Patsy Rowland	Vice President	2.00	Officer	$0	$0	$0
Lindsay Evans	Treasurer	2.00	Officer	$0	$0	$0
Nilsine Harris	Secretary	2.00	Officer	$0	$0	$0
Nate Young	Member	1.00	Director	$0	$0	$0
Cynthia Oliver	Member	1.00	Director	$0	$0	$0
Tyler Crawford	Member	1.00	Director	$0	$0	$0
Penni Egger	Member	1.00	Director	$0	$0	$0
Tim Johnson	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	$258,514	$319,883	$16,980	$-61,369
2024	$332,647	$286,635	$78,741	$46,012

Winthrop Chamber of Commerce