ANTHEM 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

2015

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

ANTHEM AREA CHAMBER OF COMMERCE, founded in 2015, is a small nonprofit in the Community Improvement sector that reported $156K in total revenue in fiscal year 2023. Revenue fell 41% from the prior year — a significant decline worth monitoring. Expenses of $206K exceeded revenue, resulting in a 32% operating deficit.

Mission

THE MISSION OF THE ANTHEM AREA CHAMBER OF COMMERCE IS TO BE A MEMBER-DRIVEN CHAMBER OF INFLUENCE LEADING COOPERATIVE ACTION TO ENHANCE BUSINESS DEVELOPMENT, COMMUNITY INVESTMENT,AND TOURISM ATTRACTION IN THE NORTH VALLEY AND SURROUNDING REGIONS.

Program Service Accomplishments

Program 1

Expenses: $205,516

TO PROMOTE BUSINESS AND COMMERCE IN THE ANTHEM AREA BY OPERATING A CHAMBER OF COMMERCE FOR LOCAL BUSINESSES TO PROVIDE RENTAL OFFICE SPACE TO MEMBERS TO PROMOTE LOCAL BUSINESSES BY PRINTING AND...

TO PROMOTE BUSINESS AND COMMERCE IN THE ANTHEM AREA BY OPERATING A CHAMBER OF COMMERCE FOR LOCAL BUSINESSES TO PROVIDE RENTAL OFFICE SPACE TO MEMBERS TO PROMOTE LOCAL BUSINESSES BY PRINTING AND SELLING A SHOPPING GUIDE

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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 (2023)

Revenue Breakdown

Contributions & Grants $143,264

Program Service Revenue $12,310

Investment Income $6

Other Revenue $329

TOTAL REVENUE $155,909

Expense Breakdown

Grants Paid $718

Salaries & Benefits $66,023

Fundraising Expenses $0

Program Expenses $205,516

Other Expenses $138,775

TOTAL EXPENSES $205,516

Year-over-Year Comparison

	2023	2022	Change
Revenue	$155,909	$264,727	-0.4%
Expenses	$205,516	$202,716	+0.0%
Net Income	$-49,607	$62,011	-1.8%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BARBARA CHATZKEL	MEMBER	5.00	Director	$0	$0	$0
CHRIS GONZALEZ	MEMBER	0.00	Director	$0	$0	$0
AMANDA MILLWE	MEMBER	0.00	Director	$0	$0	$0
MARY ELLEN TWOHEY	AALA DIRECTOR	5.00	Director	$0	$0	$0
MATTHEW WORD	MEMBER	5.00	Director	$0	$0	$0
JOE ALVAREZ	TREASURER	0.00	Officer	$0	$0	$0
SAWANA GRIMMETT	PRESIDENT	5.00	Officer	$0	$0	$0
CHARLES FINZER	VICE PRESIDENT	5.00	Officer	$0	$0	$0
KRISTA SOLOMON	SECRETARY	5.00	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	No data	No data	No data	No data
2023	$155,909	$205,516	$79,393	$-49,607
2022	$264,727	$202,716	$123,931	$62,011
2021	$173,818	$233,675	$64,060	$-59,857