JCAMA INC (EIN 204441646) - 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

2006

Legal Domicile

Principal Officer

RAJENDRA PATEL

Phone

2016598844

Tax Period

2023-01-01 to 2023-12-31

JCAMA INC, founded in 2006, is a small nonprofit in the Community Improvement sector that reported $174K in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $44K, a strong 26% operating margin.

Mission

JCAMA IS A LOCAL CHAMBER OF COMMERCE.

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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 $173,737

Program Service Revenue $0

Investment Income $36

Other Revenue $0

TOTAL REVENUE $173,773

Expense Breakdown

Grants Paid $6,000

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $117,915

Other Expenses $123,334

TOTAL EXPENSES $129,334

Year-over-Year Comparison

	2023	2022	Change
Revenue	$173,773	$134,466	+0.3%
Expenses	$129,334	$145,069	-0.1%
Net Income	$44,439	$-10,603	-5.2%

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RAJENDRA PATEL	PRESIDENT	12.00	Director	$0	$0	$0
VINOD MAJITHIA	VICE PRESIDENT	12.00	Director	$0	$0	$0
JAGDISH PATEL	SECRETARY/TREASURER	12.00	Director	$0	$0	$0
YOGESH PATEL	TRUSTEE	4.00	Director	$0	$0	$0
BHUPEN SHAH	TRUSTEE	4.00	Director	$0	$0	$0
NAVIN PATEL	TRUSTEE	4.00	Director	$0	$0	$0
SATINDER SAGAR	TRUSTEE	4.00	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
2024	No data	No data	No data	No data
2023	$173,773	$129,334	$82,668	$44,439
2022	$134,466	$145,069	$38,229	$-10,603
2021	$188,888	$162,584	$49,197	$26,304
2020	$49,294	$64,938	$22,528	$-15,644

JCAMA INC