TRUCKEE DONNER CHAMBER OF COMMERCE (EIN 680017285) - 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

1953

Legal Domicile

Principal Officer

JESSICA PENMAN

Phone

5305878808

Tax Period

2024-07-01 to 2025-06-30

TRUCKEE DONNER CHAMBER OF COMMERCE, founded in 1953, is a small nonprofit that reported $773K in total revenue in fiscal year 2024. Revenue surged 56% from the prior year, signaling strong growth momentum. Expenses of $921K exceeded revenue, resulting in a 19% operating deficit.

Mission

THE ORGANIZATION'S MISSION IS TO PROVIDE MEMBERS WITH BUSINESS SUPPORT AND EDUCATION TO HELP THEM GROW, AND MORE IMPORTANTLY, TO CONTINUOUSLY IMPROVE THE COMMUNITY'S ECONOMIC VITALITY AND QUALITY OF LIFE.

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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 $263,023

Program Service Revenue $462,313

Investment Income $219

Other Revenue $47,408

TOTAL REVENUE $772,963

Expense Breakdown

Grants Paid $33,820

Salaries & Benefits $524,436

Fundraising Expenses $0

Program Expenses $207,949

Other Expenses $362,724

TOTAL EXPENSES $920,980

Year-over-Year Comparison

	2024	2023	Change
Revenue	$772,963	$494,555	+0.6%
Expenses	$920,980	$824,060	+0.1%
Net Income	$-148,017	$-329,505	-0.6%

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

$144,799

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STACEY LARSON	MEMBER	2.00	Director	$0	$0	$0
BILL GREENO	MEMBER	2.00	Director	$0	$0	$0
KELLIE CUTLER	CHAIR-ELECT	2.00	Director	$0	$0	$0
ADAM KWIECINSKI	MEMBER	2.00	Director	$0	$0	$0
BECKY BARTON	MEMBER	2.00	Director	$0	$0	$0
RAVN REECE WHITINGTON	PAST CHAIR	2.00	Director	$0	$0	$0
JESSICA CARR	MEMBER	2.00	Director	$0	$0	$0
JONATHAN LUSTER	TREASURER	2.00	Director	$0	$0	$0
AMBER BURKE	CHAIR	2.00	Director	$0	$0	$0
KATIE SHAFFER	MEMBER	2.00	Director	$0	$0	$0
JON SLAUGHTER	MEMBER	2.00	Director	$0	$0	$0
JESSICA PENMAN	PRESIDENT/CEO	40.00	Officer	$144,799	$0	$144,799

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	$772,963	$920,980	$441,223	$-148,017
2024	$494,555	$824,060	$483,941	$-329,505
2023	$764,091	$722,280	$460,540	$41,811
2022	$637,972	$651,976	$552,947	$-14,004
2021	$724,455	$635,795	$530,825	$88,660
2020	$1,440,871	$1,509,729	$1,066,812	$-68,858
2019	$1,400,169	$1,395,977	$1,560,247	$4,192
2018	$1,293,485	$1,267,377	$1,262,067	$26,108

TRUCKEE DONNER CHAMBER OF COMMERCE