FREMONT AREA CHAMBER OF COMMERCE

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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

1934

Legal Domicile

Principal Officer

BRENDA WILBERDING

Phone

4027212641

Tax Period

2025-01-01 to 2025-12-31

FREMONT AREA CHAMBER OF COMMERCE, founded in 1934, is a small nonprofit that reported $453K in total revenue in fiscal year 2025. Revenue grew 9% year-over-year, indicating healthy expansion.

Mission

The Fremont Area Chamber of Commerce works to promote a favorable business climate for its membership and provide leadership to improve the economy and quality of life in the Fremont area.

Program Service Accomplishments

Program 1

Expenses: $242,525 Revenue: $148,480

The Chamber is organized into five seperate councils to achieve their goals through programs and events that are in the best interest of its membership.

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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 $302,788

Program Service Revenue $148,480

Investment Income $1,242

Other Revenue $0

TOTAL REVENUE $452,510

Expense Breakdown

Grants Paid $0

Salaries & Benefits $295,602

Fundraising Expenses $0

Program Expenses $242,525

Other Expenses $173,775

TOTAL EXPENSES $469,377

Year-over-Year Comparison

	2025	2024	Change
Revenue	$452,510	$414,806	+0.1%
Expenses	$469,377	$446,695	+0.1%
Net Income	$-16,867	$-31,889	-0.5%

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
JESSICA KOLTERMAN	Director	1.00	Director	$0	$0	$0
ALLI GREENE	Director	1.00	Director	$0	$0	$0
KENT SPEICHER	Treasurer	1.00	Officer Director	$0	$0	$0
KYLE KIEFER	Director	1.00	Director	$0	$0	$0
TAYLOR JEPPESEN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
LESLIE CHAVEZ	Director	1.00	Director	$0	$0	$0
JEFF HAMILTON	Director	1.00	Director	$0	$0	$0
LONNIE DOOLEY	CHAIR ELECT	1.00	Officer Director	$0	$0	$0
BEN HUTTON	Director	1.00	Director	$0	$0	$0
MATT MUELLER	PAST CHAIR	1.00	Officer Director	$0	$0	$0
SCOTT JENSEN	Director	1.00	Director	$0	$0	$0
DON MUCKEY	Director	1.00	Director	$0	$0	$0
BRENDA WILBERDING	Secretary	40.00	Officer Director	$0	$0	$0
BODE HILL	Director	1.00	Director	$0	$0	$0
BRIAN OSMANSKI	Director	1.00	Director	$0	$0	$0
KELLI VONDRA	Chairman	1.00	Officer Director	$0	$0	$0
NIK BENINATO	Director	1.00	Director	$0	$0	$0
KATIE DURAN	Director	1.00	Director	$0	$0	$0
SPENCER WISON	Director	1.00	Director	$0	$0	$0
CHRIS WALZ	Director	1.00	Director	$0	$0	$0
BARBARA NEKOLITE	Director	1.00	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	$452,510	$469,377	$128,943	$-16,867
2024	No data	No data	No data	No data
2023	$385,247	$360,725	$184,703	$24,522
2022	$370,488	$368,743	$159,794	$1,745
2021	$380,489	$330,006	$145,528	$50,483
2020	$350,368	$323,290	$101,987	$27,078
2019	$326,633	$304,915	$79,099	$21,718
2018	$347,112	$313,292	$56,376	$33,820