DANA POINT CHAMBER OF COMMERCE (EIN 510181182) - 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

1940

Legal Domicile

Principal Officer

VICTORIA MCMURCHIE

Phone

9494961555

Tax Period

2024-01-01 to 2024-12-31

DANA POINT CHAMBER OF COMMERCE, founded in 1940, is a small nonprofit that reported $940K in total revenue in fiscal year 2024. Revenue grew 10% year-over-year, indicating healthy expansion. The organization ran a surplus of $158K, a strong 17% operating margin.

Mission

THE DANA POINT CHAMBER OF COMMERCE CHAMPIONS BUSINESS PROSPERITY, ECONOMIC VITALITY AND COMMUNITY ENGAGEMENT, PROMOTING A HIGH QUALITY OF LIFE IN AND AROUND DESTINATION DANA POINT.

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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 $157,635

Program Service Revenue $750,210

Investment Income $1,523

Other Revenue $30,895

TOTAL REVENUE $940,263

Expense Breakdown

Grants Paid $25,108

Salaries & Benefits $266,606

Fundraising Expenses $0

Program Expenses $270,792

Other Expenses $490,604

TOTAL EXPENSES $782,318

Year-over-Year Comparison

	2024	2023	Change
Revenue	$940,263	$858,630	+0.1%
Expenses	$782,318	$812,198	0.0%
Net Income	$157,945	$46,432	+2.4%

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

$110,245

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VICTORIA MCMURCHIE	Executive Dir.	40.00	Officer	$110,245	$0	$110,245
BRANDON CLARK	Treasurer	0.50	Director	$0	$0	$0
CORRINE BUSTA	Director	0.50	Director	$0	$0	$0
PAT CHIKU	Director	0.50	Director	$0	$0	$0
DR LILIAN CIFARELLI	Director	0.50	Director	$0	$0	$0
ZACH VALDESPINO	Director	0.50	Director	$0	$0	$0
SANDY CHIU	Secretary	0.50	Director	$0	$0	$0
JAN MEYER	Chai-Elect	1.00	Director	$0	$0	$0
BETH OAS	Outgoing Chair	1.00	Director	$0	$0	$0
KELLY RINDERKNECHT	Chairperson	0.50	Director	$0	$0	$0
HYDEE RIGGS	Outgoing Chair	1.00	Director	$0	$0	$0
PEPPE RIVERA	Director	0.50	Director	$0	$0	$0
JUAN GONZALEZ	Director	0.50	Director	$0	$0	$0
JASON SPATES	Director	0.75	Director	$0	$0	$0
Caleb Gonzalez	Treasurer	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	$940,263	$782,318	$705,615	$157,945
2023	$853,038	$812,198	$526,997	$40,840
2022	$755,969	$691,560	$474,782	$64,409
2021	$657,339	$503,680	$408,370	$153,659
2019	$544,024	$530,876	$419,811	$13,148
2018	$617,693	$550,143	$394,787	$67,550

DANA POINT CHAMBER OF COMMERCE