SCHERTZ 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

1994

Legal Domicile

Principal Officer

MAGGIE TITTERINGTON

Phone

2106191952

Tax Period

2024-01-01 to 2024-12-31

SCHERTZ CHAMBER OF COMMERCE, founded in 1994, is a small nonprofit that reported $669K in total revenue in fiscal year 2024. Revenue decreased 6% compared to the prior year.

Mission

THE MISSION OF THE CHAMBER IS TO SERVE, PROMOTE AND ENHANCE ECONOMIC SUCCESS.

Program Service Accomplishments

Program 1

AWARDED CONTRIBUTIONS TO CLEMENS AND STEEL HIGH SCHOOL PROJECT GRADUATIONS 500 EACH, CONTRIBUTED 6,550 TO CLEMENS AND STEEL DECA PROGRAMS. YOUNG PROFESSIONALS HAD TWO FUNDRAISERS AND DONATED 1,600 TO RESCUE PETS SERVING VETS AND 2,000 TO THE SCUC EDUCATION FOUNDATION. YOUNG PROFESSIONALS ALSO PROVIDED HOLIDAY MEALS AND GIFTS TO RACAP IN THE AMOUNT OF 518 AND CONTRIBUTED 750 TO BLUE JEAN FUNDRAISER FOR NORTHEAST LAKEVIEW COLLEGE.

Program 2

ASSISTED IN ADVOCACY FOR LOCAL BUSINESSES WITH CITIES OF SCHERTZ, CIBOLO, SELMA AND LIVE OAK ON ISSUES CONCERNING PERMITS, INSPECTIONS, AND ORDINANCES. PROVIDED NETWORKING AND MARKETING EVENTS FOR...

ASSISTED IN ADVOCACY FOR LOCAL BUSINESSES WITH CITIES OF SCHERTZ, CIBOLO, SELMA AND LIVE OAK ON ISSUES CONCERNING PERMITS, INSPECTIONS, AND ORDINANCES. PROVIDED NETWORKING AND MARKETING EVENTS FOR MEMBERS THROUGH IN PERSON EVENTS, ONLINE MARKETING, SOCIAL MEDIA, PRINT, AND WEBSITES AS WELL AS PROVIDING BUSINESS EDUCATION AND RESOURCES. CURRENTLY SERVING ON BOARDS WITH THE SCHOOL AND COLLEGE DISTRICT, LIAISON WITH MILITARY COMMITTEES ON RANDALPH AIRFORCE BASE, BOARD MEMBER OF CENTER FOR CHAMBER OF COMMERCE EXECUTIVES AND CHAIR FOR SCHERTZ HISTORICAL COMMITTEE.

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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 $435

Program Service Revenue $333,288

Investment Income $16,654

Other Revenue $318,657

TOTAL REVENUE $669,034

Expense Breakdown

Grants Paid $0

Salaries & Benefits $321,617

Fundraising Expenses $198,557

Other Expenses $373,646

TOTAL EXPENSES $695,263

Year-over-Year Comparison

	2024	2023	Change
Revenue	$669,034	$714,113	-0.1%
Expenses	$695,263	$697,544	0.0%
Net Income	$-26,229	$16,569	-2.6%

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

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
MICHAEL BEAVER	PAST CHAIR	N/A	Officer Director	$0	$0	$0
DEBRA JOHN	CHAIR	N/A	Officer Director	$0	$0	$0
HENGAM STANFIELD	VICE CHAIRIR	N/A	Officer Director	$0	$0	$0
OLAF EMBLEM	CHAIR ELECT	N/A	Officer Director	$0	$0	$0
JILL CARPENTER	SECRETARY	N/A	Officer Director	$0	$0	$0
FREDY DEGOLLADO	VICE CHAIR	N/A	Director	$0	$0	$0
JAY JOHNSON	TREASURER	N/A	Director	$0	$0	$0
MARK SUNDERMAN	VICE CHAIR	N/A	Director	$0	$0	$0
ZAK WHITE	VICE CHAIR	N/A	Director	$0	$0	$0
CHUCK SMITH	VICE CHAIR	N/A	Director	$0	$0	$0
DARON LOFTON	VICE CHAIR	N/A	Director	$0	$0	$0
VERONICA GARCIA	VICE CHAIR	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	$669,034	$695,263	$461,593	$-26,229
2023	$714,113	$697,544	$466,095	$16,569
2022	$656,625	$715,755	$471,963	$-59,130
2021	$668,524	$586,890	$498,888	$81,634
2020	$453,460	$473,260	$418,682	$-19,800
2019	$592,027	$578,372	$425,511	$13,655
2018	$564,161	$549,946	$411,664	$14,215