FREDERICKSBURG CHAMBER OF COMMERCE (EIN 740633163) - 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

1920

Legal Domicile

Principal Officer

JAMES MIKULA

Phone

8309975000

Tax Period

2024-01-01 to 2024-12-31

FREDERICKSBURG CHAMBER OF COMMERCE, founded in 1920, is a small nonprofit that reported $588K in total revenue in fiscal year 2024. Revenue surged 36% from the prior year, signaling strong growth momentum. The organization ran a surplus of $92K, a strong 16% operating margin.

Mission

THE CHAMBER OF COMMERCE'S MISSION IS TO PROMOTE A POSITIVE GROWING BUSINESS COMMUNITY.

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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 $220,531

Program Service Revenue $196,725

Investment Income $281

Other Revenue $170,336

TOTAL REVENUE $587,873

Expense Breakdown

Grants Paid $0

Salaries & Benefits $346,870

Fundraising Expenses $0

Program Expenses $433,484

Other Expenses $148,621

TOTAL EXPENSES $495,491

Year-over-Year Comparison

	2024	2023	Change
Revenue	$587,873	$432,598	+0.4%
Expenses	$495,491	$435,154	+0.1%
Net Income	$92,382	$-2,556	-37.1%

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

$192,448

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
GREG OEHLER	CHAIRMAN	5.00	Officer Director	$0	$0	$0
JAY MALLINCKRODT	VICE CHAIRMAN	2.00	Officer Director	$0	$0	$0
TAMMY VOLLMAR	TREASURER	2.00	Officer Director	$0	$0	$0
SARAH WASHBURNE	SECRETARY	2.00	Officer Director	$0	$0	$0
MARILYN MCNABB	PAST CHAIR	5.00	Officer Director	$0	$0	$0
STEVE REILLY	DIRECTOR	2.00	Director	$0	$0	$0
KYLE KULDA	DIRECTOR	2.00	Director	$0	$0	$0
KEN COOKE	DIRECTOR	2.00	Director	$0	$0	$0
JULIE HERBORT	DIRECTOR	2.00	Director	$0	$0	$0
TACHI HINIJOSA	DIRECTOR	2.00	Director	$0	$0	$0
CLINT KOTAL	DIRECTOR	2.00	Director	$0	$0	$0
SHELEE PADGETT	DIRECTOR	2.00	Director	$0	$0	$0
KATHLEEN YOSKO	DIRECTOR	2.00	Director	$0	$0	$0
JAMES MIKULA	PRESIDENT	40.00	Officer	$131,800	$0	$131,800
CHRISTIE BOURQUIN	EXECUTIVE VP	40.00	Officer	$60,648	$0	$60,648

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	$587,873	$495,491	$685,215	$92,382
2023	$432,598	$435,154	$628,022	$-2,556
2022	$334,206	$341,588	$717,617	$-7,382
2021	$304,274	$287,988	$618,321	$16,286
2020	$278,674	$253,335	$622,650	$25,339
2019	$318,116	$343,748	$519,285	$-25,632
2018	$288,481	$357,655	$578,447	$-69,174

FREDERICKSBURG CHAMBER OF COMMERCE