ESTERO CHAMBER OF COMMERCE (EIN 650824640) - 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

1997

Legal Domicile

Principal Officer

JOE RYAN

Phone

2399487990

Tax Period

2024-01-01 to 2024-12-31

ESTERO CHAMBER OF COMMERCE, founded in 1997, is a small nonprofit that reported $133K in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year. Expenses of $119K left a modest 10% surplus.

Mission

TO PROMOTE RESPONSIBLE ECOMONIC, BUSINESS, AND CULTURAL DEVELOPMENT.

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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 $87,682

Program Service Revenue $0

Investment Income $361

Other Revenue $44,621

TOTAL REVENUE $132,664

Expense Breakdown

Grants Paid $0

Salaries & Benefits $62,799

Fundraising Expenses $0

Other Expenses $56,378

TOTAL EXPENSES $119,177

Year-over-Year Comparison

	2024	2023	Change
Revenue	$132,664	$164,709	-0.2%
Expenses	$119,177	$159,506	-0.3%
Net Income	$13,487	$5,203	+1.6%

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
JORDAN AZIS	BOARD MEMBER	10.00	Director	$0	$0	$0
CLIFF BRAND	TREASURER	10.00	Director	$0	$0	$0
CINDY CEDENO	VICE CHAIR	10.00	Director	$0	$0	$0
BLAKE CHAPMAN	BOARD MEMBER	10.00	Director	$0	$0	$0
MEGAN KOHAN	BOARD MEMBER	10.00	Director	$0	$0	$0
PAMELA MCCABE	SECRETARY	10.00	Director	$0	$0	$0
JIM MENDOLERA	BOARD MEMBER	10.00	Director	$0	$0	$0
JONI PAVICH	BOARD MEMBER	10.00	Director	$0	$0	$0
BOB PRITT	BOARD MEMBER	10.00	Director	$0	$0	$0
BILL RIBBLE	BOARD MEMBER	10.00	Director	$0	$0	$0
JOE RYAN	CHAIR	20.00	Director	$0	$0	$0
JAMES WARD	BOARD MEMBER	10.00	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
2024	$132,664	$119,177	$81,870	$13,487
2023	$164,709	$159,506	$55,333	$5,203
2022	$151,787	$138,995	$39,169	$12,792
2021	$176,063	$140,902	$42,169	$35,161
2020	$124,831	$146,030	$10,412	$-21,199
2019	$200,529	$211,414	$31,746	$-10,885

ESTERO CHAMBER OF COMMERCE