NORTH SAN DIEGO BUSINESS CHAMBER (EIN 203185588) - 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

2005

Legal Domicile

Principal Officer

CHRIS THORNE

Phone

8584871767

Tax Period

2023-07-01 to 2024-06-30

NORTH SAN DIEGO BUSINESS CHAMBER, founded in 2005, is a small nonprofit in the Community Improvement sector that reported $653K in total revenue in fiscal year 2023. Revenue decreased 12% compared to the prior year. Expenses of $736K exceeded revenue, resulting in a 13% operating deficit.

Mission

TO PROMOTE LOCAL AND REGIONAL BUSINESS TO OTHERS.

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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 $157,600

Program Service Revenue $291,419

Investment Income $21,114

Other Revenue $182,764

TOTAL REVENUE $652,897

Expense Breakdown

Grants Paid $0

Salaries & Benefits $547,828

Fundraising Expenses $0

Program Expenses $701,836

Other Expenses $188,283

TOTAL EXPENSES $736,111

Year-over-Year Comparison

	2023	2022	Change
Revenue	$652,897	$739,702	-0.1%
Expenses	$736,111	$600,078	+0.2%
Net Income	$-83,214	$139,624	-1.6%

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

369

Independent Members

369

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

$256,027

Total Directors

$27,699

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS THORNE	CEO	50.00	Officer	$148,027	$0	$148,027
BRIANNA ELTZROTH	COO	50.00	Officer	$108,000	$0	$108,000
DEBRA ROSEN	DIRECTOR	2.00	Director	$27,699	$0	$27,699
TED ANASIS	DIRECTOR	2.00	Officer Director	$0	$0	$0
JOE BRITTON	DIRECTOR	2.00	Director	$0	$0	$0
CAPT USN DWIGHT CLEMONS	DIRECTOR	2.00	Director	$0	$0	$0
KRISTIN GASPAR	DIRECTOR	2.00	Director	$0	$0	$0
SARAH HASSAINE	DIRECTOR	2.00	Director	$0	$0	$0
GLEN HOPKINS	DIRECTOR	2.00	Director	$0	$0	$0
STACEY HROUNTAS	CHAIR	2.00	Officer Director	$0	$0	$0
ROB LATTA	DIRECTOR	2.00	Director	$0	$0	$0
JAMIE LEMON	NOMINATING C	2.00	Officer Director	$0	$0	$0
JEAN LOO-RUSSO	DIRECTOR	2.00	Director	$0	$0	$0
NEAL MANOWITZ	DIRECTOR	2.00	Director	$0	$0	$0
AL MCLAUGHLIN	DIRECTOR	2.00	Director	$0	$0	$0
PAT MCTIGUE	DIRECTOR	2.00	Director	$0	$0	$0
SUSAN MILLER	DIRECTOR	2.00	Director	$0	$0	$0
SHERI NASIM	DIRECTOR	2.00	Director	$0	$0	$0
FRED NASSERI	DIRECTOR	2.00	Director	$0	$0	$0
SANJIV PRABHAKARAN	DIRECTOR	2.00	Director	$0	$0	$0
STACY RUNGAITIS	DIRECTOR	2.00	Director	$0	$0	$0
DAVID SHIELDS	CHAIR ELECT	2.00	Director	$0	$0	$0
NICK TORRES	TREASURER	2.00	Officer Director	$0	$0	$0
MICHAEL VU	DIRECTOR	2.00	Director	$0	$0	$0
EVAN WAHL	DIRECTOR	2.00	Director	$0	$0	$0
LEE WILLIS	DIRECTOR	2.00	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	No data	No data	No data	No data
2024	$652,897	$736,111	$753,452	$-83,214
2023	$739,702	$600,078	$797,731	$139,624
2022	$700,006	$553,327	$661,014	$146,679
2021	$631,194	$540,229	$519,074	$90,965
2020	$659,085	$541,651	$404,448	$117,434
2019	$603,234	$569,764	$284,599	$33,470
2018	$553,745	$575,775	$248,459	$-22,030

NORTH SAN DIEGO BUSINESS CHAMBER