COPPERAS COVE CHAMBER OF COMMERCE

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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

1960

Legal Domicile

Principal Officer

BETH GALICK-CARNEY

Phone

2545477571

Tax Period

2024-10-01 to 2025-09-30

COPPERAS COVE CHAMBER OF COMMERCE, founded in 1960, is a small nonprofit that reported $312K in total revenue in fiscal year 2024. Revenue surged 28% from the prior year, signaling strong growth momentum. Expenses of $276K left a modest 12% surplus.

Mission

TO PROMOTE BUSINESS AND TOURISM IN COPPERAS COVE TEXAS

Program Service Accomplishments

Program 1

Expenses: $46,434 Revenue: $12,460

TO PROMOTE BUSINESS IN COPPERAS COVE TEXAS

Program 2

Expenses: $165,330 Revenue: $257,233

TO PROMOTE TOURISM IN COPPERAS COVE, TX

Program 3

Expenses: $2,930 Revenue: $1,850

TO PROMOTE RELATIONS WITH THE MILITARY ESPECIALLY FORT HOOD TX AND COPPERAS COVE

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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 $33,972

Program Service Revenue $271,543

Investment Income $0

Other Revenue $6,506

TOTAL REVENUE $312,021

Expense Breakdown

Grants Paid $0

Salaries & Benefits $148,484

Fundraising Expenses $0

Program Expenses $214,694

Other Expenses $127,089

TOTAL EXPENSES $275,573

Year-over-Year Comparison

	2024	2023	Change
Revenue	$312,021	$243,026	+0.3%
Expenses	$275,573	$228,308	+0.2%
Net Income	$36,448	$14,718	+1.5%

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

N/A

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
SHAMERIA ANN DAVIS	MEMBER	1.00	Director	$0	$0	$0
JENNIFER COTTER	MEMBER	1.00	Director	$0	$0	$0
CLIFF SANCHEZ	CHAIRMAN	1.00	Officer Director	$0	$0	$0
MICHELLE O'SULLIVAN	MEMBER	1.00	Director	$0	$0	$0
TASHA ROBERTS	CHAIR ELECT	1.00	Director	$0	$0	$0
EMILY URQUIDEZ	MEMBER	1.00	Director	$0	$0	$0
ROBERT CROUCH	MEMBER	1.00	Director	$0	$0	$0
MARCUS FULLER	MEMBER	1.00	Director	$0	$0	$0
NANCY NELSON	PAST CHAIR	40.00	Officer	$0	$0	$0
ELIZABETH GALICK	PRESIDENT	40.00	Officer	$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
2025	$312,021	$275,573	$155,436	$36,448
2024	$243,026	$228,308	$160,633	$14,718
2023	$191,762	$122,034	$192,342	$69,728
2022	$132,814	$132,660	$144,802	$154
2018	$114,429	$120,300	$153,758	$-5,871