Pacific Chamber of Commerce (EIN 431246020) - 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

1958

Legal Domicile

Principal Officer

Ann Trent

Phone

6363345133

Tax Period

2025-01-01 to 2025-12-31

Pacific Chamber of Commerce, founded in 1958, is a small nonprofit that reported $109K in total revenue in fiscal year 2025. Revenue surged 26% from the prior year, signaling strong growth momentum. The organization ran a surplus of $22K, a strong 20% operating margin.

Mission

To promote the community, be a voice for business, and encourage economic growth of new and existing 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 (2025)

Revenue Breakdown

Contributions & Grants $40,825

Program Service Revenue $0

Investment Income $24,390

Other Revenue $44,087

TOTAL REVENUE $109,302

Expense Breakdown

Grants Paid $7,998

Salaries & Benefits $52,521

Fundraising Expenses $0

Other Expenses $26,746

TOTAL EXPENSES $87,265

Year-over-Year Comparison

	2025	2024	Change
Revenue	$109,302	$86,857	+0.3%
Expenses	$87,265	$84,440	+0.0%
Net Income	$22,037	$2,417	+8.1%

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

N/A

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

Total Directors

$48,750

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Debra Baker	Executive Director	040.00	Director	$48,750	$0	$48,750
Ann Trent	Treasurer	015.00	Director	$0	$0	$0
Heather Filley	Director	010.00	Officer Director	$0	$0	$0
Ann Trent	Treasurer	015.00	Officer Director	$0	$0	$0
Steve Sagehorn	Director	005.00	Director	$0	$0	$0
Josh Kinder	Director	015.00	Officer Director	$0	$0	$0
Max Orris	Director	005.00	Director	$0	$0	$0
Sean Brinker	Director	010.00	Officer Director	$0	$0	$0
Andy Nemeth	Director	005.00	Director	$0	$0	$0
Mark Koch	Director	005.00	Director	$0	$0	$0
Rick Presley	Director	005.00	Director	$0	$0	$0
Andy Nemeth	Director	005.00	Director	$0	$0	$0
Mark Koch	Director	005.00	Director	$0	$0	$0
Shane Mayer	Director	005.00	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	$109,302	$87,265	$294,728	$22,037
2024	$86,857	$84,440	$266,283	$2,417
2023	$77,659	$77,979	$264,632	$-320
2022	$53,859	$74,065	$268,293	$-20,206
2021	$46,351	$70,111	$293,719	$-23,760
2020	$34,972	$71,551	$292,231	$-36,579
2018	$135,877	$63,415	$354,338	$72,462

Pacific Chamber of Commerce