SAN JOAQUIN COUNTY HISPANIC CHAMBER OF COMMERCE (EIN 237195741) - 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

1972

Legal Domicile

Principal Officer

EDDIE LIRA

Phone

2099436117

Tax Period

2022-07-01 to 2023-06-30

SAN JOAQUIN COUNTY HISPANIC CHAMBER OF COMMERCE, founded in 1972, is a small nonprofit in the Community Improvement sector that reported $490K in total revenue in fiscal year 2022. Revenue surged 82% from the prior year, signaling strong growth momentum. Expenses of $428K left a modest 13% surplus.

Mission

THE CHAMBER PROVIES ASSISTANCE IN OPENING BUSINESSES, ACCESSING CAPITAL AND LINKS MEMBERS-TO-MEMBERS THROUGH ITS MANY EVENTS HELD THROUGHOUT THE YEAR. DURING COVID-19 EVENTS WERE POSTPONED. THE CHAMBER PROVIDED THE PUBLIC ASSISTANCE WITH NAVIGATING PANDEMIC BENEFITS AND EMPLOYMENT CONCERNS.

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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 (2022)

Revenue Breakdown

Contributions & Grants $402,680

Program Service Revenue $87,343

Investment Income $5

Other Revenue $0

TOTAL REVENUE $490,028

Expense Breakdown

Grants Paid $0

Salaries & Benefits $176,369

Fundraising Expenses $47,131

Program Expenses $282,516

Other Expenses $251,426

TOTAL EXPENSES $427,795

Year-over-Year Comparison

	2022	2021	Change
Revenue	$490,028	$268,792	+0.8%
Expenses	$427,795	$330,733	+0.3%
Net Income	$62,233	$-61,941	-2.0%

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

$96,308

Total Directors

$96,308

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
EDDIE LIRA	PRESIDENT	20.00	Officer Director	$0	$0	$0
JOHN FREEMAN	PAST-PRESIDENT	20.00	Officer Director	$0	$0	$0
BRENNA BUTLER	TREASURER	20.00	Officer Director	$0	$0	$0
JASON ROTH	BOARD MEMBER	20.00	Director	$0	$0	$0
ANGEL SEPULVEDA	SECRETARY	20.00	Officer Director	$0	$0	$0
JUAN G VILLANUEVA	BOARD MEMBER	5.00	Director	$0	$0	$0
LISA BLANCO JIMENEZ	BOARD MEMBER	5.00	Director	$0	$0	$0
LUIS REYES	BOARD MEMBER	5.00	Director	$0	$0	$0
TAMMY SHAFF	BOARD MEMBER	5.00	Director	$0	$0	$0
STAPHANIE RAMIZREZ	BOARD MEMBER	5.00	Director	$0	$0	$0
DYLAN GEORGE	BOARD MEMBER	5.00	Director	$0	$0	$0
LISA VELA	CEO	40.00	Officer Director	$0	$0	$96,308
XAVIER SANTANA	BOARD MEMBER	5.00	Director	$0	$0	$0
RAUL RAMIREZ	HONORARY BOARD MEMBER	5.00	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	$490,028	$427,795	$131,257	$62,233
2022	$268,792	$330,733	$69,109	$-61,941
2021	$351,950	$286,562	$132,803	$65,388
2020	$276,986	$275,151	$20,981	$1,835
2019	$365,167	$375,205	$18,262	$-10,038
2018	$260,941	$345,234	$27,849	$-84,293

SAN JOAQUIN COUNTY HISPANIC CHAMBER OF COMMERCE