San Diego Chapter of The Risk and … - Form 990 Financial Data

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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

2000

Legal Domicile

Principal Officer

Cheryl Berman

Phone

8588883655

Tax Period

2025-01-01 to 2025-12-31

San Diego Chapter of The Risk and Insurance Management Society Inc, founded in 2000, is a micro nonprofit that reported $53K in total revenue in fiscal year 2025. Revenue surged 82% from the prior year, signaling strong growth momentum. The organization ran a surplus of $31K, a strong 59% operating margin.

Mission

TO BUILD AND LEVERAGE A DIVERSE AND INCLUSIVE MEMBERSHIP; TO PROMOTE AND IMPROVE THE RISK DISCIPLINE; TO FURTHER OUR MEMBERS' PROFESSIONAL DEVELOPMENT.

Program Service Accomplishments

Program 1

HELD ANNUAL EDUCATIONAL SEMINAR ON RISK MANAGEMENT TOPICS

Program 2

HELD MONTHLY EDUCATIONAL AND NETWORKING MEETINGS FOR MEMBERS

Program 3

PERFORMED MULTIPLE COMMUNITY SERVICE ORIENTED PROJECTS.

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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 $10,780

Program Service Revenue $0

Investment Income $206

Other Revenue $41,859

TOTAL REVENUE $52,845

Expense Breakdown

Grants Paid $10,216

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $11,563

TOTAL EXPENSES $21,779

Year-over-Year Comparison

	2025	2024	Change
Revenue	$52,845	$29,086	+0.8%
Expenses	$21,779	$29,410	-0.3%
Net Income	$31,066	$-324	-96.9%

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

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
Cheryl Berman	President	15.00	Officer Director	$0	$0	$0
Julie Nester	Vice President	5.00	Officer Director	$0	$0	$0
Katie Johanski	Secretary	5.00	Officer Director	$0	$0	$0
Lan Nguyen	Treasurer	15.00	Officer Director	$0	$0	$0
Cindy Faulk	Director	5.00	Director	$0	$0	$0
Beth Ann Coleman	Director	10.00	Director	$0	$0	$0
Tim Kolgen	Advisor	5.00	Director	$0	$0	$0
Duane Johnson	Advisor	1.00	Director	$0	$0	$0
Erica Kneeland	Director	5.00	Director	$0	$0	$0
Jeff Hobbs	Director	5.00	Director	$0	$0	$0
Kristina Dethmanivong	Director	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
2025	$52,845	$21,779	$148,316	$31,066
2024	$29,086	$29,410	$117,250	$-324
2023	$25,620	$29,868	$117,574	$-4,248
2022	$51,192	$11,151	$121,822	$40,041
2021	$45,956	$18,736	$81,781	$27,220
2020	$17,527	$28,971	$54,561	$-11,444
2019	$9,114	$8,849	$66,005	$265
2018	$20,216	$17,572	$65,740	$2,644

San Diego Chapter of The Risk and Insurance Management Society Inc