Capital Black Chamber of Commerce (EIN 680083646) - 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

1990

Legal Domicile

Principal Officer

Azizza Davis Goines

Phone

9162310416

Tax Period

2024-01-01 to 2024-12-31

Capital Black Chamber of Commerce, founded in 1990, is a small nonprofit that reported $354K in total revenue in fiscal year 2024. Revenue fell 39% from the prior year — a significant decline worth monitoring. Expenses of $573K exceeded revenue, resulting in a 62% operating deficit.

Mission

The mission of the Sacramento Black chamber of commerce is to assure member businesses will benefit through services that sustain and increase their revenue. Additionally, the region will benefit through the growth of African American owned businesses.

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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 $288,028

Program Service Revenue $86,616

Investment Income $0

Other Revenue $-20,897

TOTAL REVENUE $353,747

Expense Breakdown

Grants Paid $4,081

Salaries & Benefits $195,424

Fundraising Expenses $10,040

Program Expenses $498,411

Other Expenses $373,809

TOTAL EXPENSES $573,314

Year-over-Year Comparison

	2024	2023	Change
Revenue	$353,747	$578,058	-0.4%
Expenses	$573,314	$693,739	-0.2%
Net Income	$-219,567	$-115,681	+0.9%

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

$121,264

Total Directors

$121,264

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Azizza Davis Goines	President & CEO	40.00	Officer Director	$121,264	$0	$121,264
Dr Marcellene Watson-Derbigny	Director	2.00	Director	$0	$0	$0
Chris Flores	Director	2.00	Director	$0	$0	$0
Dr Markisha Webster	Director	2.00	Director	$0	$0	$0
Christopher Thomas	Director	2.00	Director	$0	$0	$0
Ira Williams	Director	2.00	Director	$0	$0	$0
Lydia Ramirez	Treasurer	2.00	Officer Director	$0	$0	$0
Ceasor Dennis	Director	2.00	Director	$0	$0	$0
Roderick Brewer	Secretary	4.00	Officer Director	$0	$0	$0
Melanie Okoro PhD	Board Chair	4.00	Officer 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	$353,747	$573,314	$1,624,358	$-219,567
2023	$578,058	$693,739	$1,858,553	$-115,681
2022	$570,966	$518,190	$2,013,609	$52,776
2021	$586,562	$501,896	$1,879,572	$84,666
2020	$773,899	$497,079	$587,893	$276,820
2019	$503,301	$319,920	$324,272	$183,381
2018	$381,514	$220,460	$169,500	$161,054

Capital Black Chamber of Commerce