MERCEDES AREA CHAMBER OF COMMERCE (EIN 740780424) - 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

1944

Legal Domicile

Principal Officer

FRED GONZALEZ

Phone

9565652221

Tax Period

2021-01-01 to 2021-12-31

MERCEDES AREA CHAMBER OF COMMERCE, founded in 1944, is a small nonprofit that reported $146K in total revenue in fiscal year 2021. Revenue surged 70% from the prior year, signaling strong growth momentum. Expenses of $169K exceeded revenue, resulting in a 16% operating deficit.

Mission

BUSINESS PROMOTION

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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 (2021)

Revenue Breakdown

Contributions & Grants $20,100

Program Service Revenue $0

Investment Income $511

Other Revenue $124,899

TOTAL REVENUE $145,510

Expense Breakdown

Grants Paid $2,500

Salaries & Benefits $36,167

Fundraising Expenses $101,164

Program Expenses $65,942

Other Expenses $129,865

TOTAL EXPENSES $168,532

Year-over-Year Comparison

	2021	2020	Change
Revenue	$145,510	$85,731	+0.7%
Expenses	$168,532	$76,867	+1.2%
Net Income	$-23,022	$8,864	-3.6%

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

$33,532

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
FRED GONZALEZ	PRESIDENT	N/A	Officer	$0	$0	$0
BRIAN BUNTON	DIRECTOR	N/A	Director	$0	$0	$0
N/A	ADMINISTRATO	40.00	Officer	$33,532	$0	$33,532
CESAR ALEMAN	DIRECTOR	N/A	Director	$0	$0	$0
SYLVIA CARLIN	DIRECTOR	N/A	Director	$0	$0	$0
KENNETH EILERS	DIRECTOR	N/A	Director	$0	$0	$0
ARMANDO GARCIA	VICE-PRESIDE	N/A	Officer	$0	$0	$0
GEORGE GARCIA	DIRECTOR	N/A	Director	$0	$0	$0
MARLA KNAUB	DIRECTOR	N/A	Director	$0	$0	$0
JOSE MUNOZ	DIRECTOR	N/A	Director	$0	$0	$0
MARYANN QUIROZ	DIRECTOR	N/A	Director	$0	$0	$0
CA HINOJOSA	TREASURER	N/A	Director	$0	$0	$0
ARMANDO CORREA	DIRECTOR	N/A	Director	$0	$0	$0
HECTOR ROCHA JR	DIRECTOR	N/A	Director	$0	$0	$0
JAMIE ROJAS	DIRECTOR	N/A	Director	$0	$0	$0
ALBERTO PEREZ	DIRECTOR	N/A	Director	$0	$0	$0
CHRISTINA SANCHEZ	DIRECTOR	N/A	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	No data	No data	No data	No data
2021	$145,510	$168,532	$177,360	$-23,022
2020	$85,731	$76,867	$200,306	$8,864
2019	$195,589	$179,787	$191,352	$15,802
2018	$209,001	$185,573	$177,118	$23,428

MERCEDES AREA CHAMBER OF COMMERCE