HAYWARD AREA CHAMBER OF COMMERCE (EIN 390963079) - 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

1985

Legal Domicile

Principal Officer

ROBERT DECKER

Phone

7156348662

Tax Period

2024-01-01 to 2024-12-31

HAYWARD AREA CHAMBER OF COMMERCE, founded in 1985, is a small nonprofit that reported $381K in total revenue in fiscal year 2024.

Mission

PROMOTION/DEVELOPMENT OF THE AREA & BUSINESSES

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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 (2024)

Revenue Breakdown

Contributions & Grants $105,308

Program Service Revenue $212,320

Investment Income $5,262

Other Revenue $57,905

TOTAL REVENUE $380,795

Expense Breakdown

Grants Paid $0

Salaries & Benefits $193,294

Fundraising Expenses $0

Program Expenses $390,000

Other Expenses $196,706

TOTAL EXPENSES $390,000

Year-over-Year Comparison

	2024	2023	Change
Revenue	$380,795	$390,560	0.0%
Expenses	$390,000	$350,171	+0.1%
Net Income	$-9,205	$40,389	-1.2%

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

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
MEGAN DETRAY	DIRECTOR	0.30	Director	$0	$0	$0
MELISSA JORDAN	DIRECTOR	0.30	Director	$0	$0	$0
CHRIS GRAHAM	DIRECTOR	0.30	Director	$0	$0	$0
JENNI STRAMA	DIRECTOR	0.30	Director	$0	$0	$0
KATHY BAKER	DIRECTOR	0.30	Director	$0	$0	$0
PAUL ECKERLINE	DIRECTOR	0.30	Director	$0	$0	$0
ROBERT DAVIS	DIRECTOR	0.30	Director	$0	$0	$0
ROBYN STRYKER	MEMBER AT LARGE	0.30	Officer	$0	$0	$0
SUSAN FIBERT	PRESIDENT	0.50	Officer	$0	$0	$0
ANNA SKAR	SECRETARY	0.30	Officer	$0	$0	$0
MONICA JOHNSON	TREASURER	0.30	Officer	$0	$0	$0
ROB DECKER	VICE PRESIDENT	0.50	Officer	$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	$380,795	$390,000	$670,290	$-9,205
2023	$390,560	$350,171	$652,700	$40,389
2022	$402,188	$284,918	$637,920	$117,270
2021	$383,710	$280,094	$509,204	$103,616
2020	$286,921	$226,830	$280,184	$60,091
2019	$258,059	$258,573	$150,846	$-514
2018	$271,540	$242,023	$143,664	$29,517

HAYWARD AREA CHAMBER OF COMMERCE