APTOS CHAMBER OF COMMERCE (EIN 770175792) - 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

1960

Legal Domicile

Phone

8316881467

Tax Period

2024-01-01 to 2024-12-31

APTOS CHAMBER OF COMMERCE, founded in 1960, is a small nonprofit that reported $147K in total revenue in fiscal year 2024. Revenue decreased 9% compared to the prior year. Expenses of $142K left a modest 3% surplus.

Mission

THE MISSION STATEMENT OF THE APTOS CHAMBER IS TO PROMOTE ECONOMIC VITALITY THROUGH SERVICE TO BUSINESS SO THAT IT MAY BENEFIT THE ENTIRE COMMUNITY AND TO HELP DEVELOP A SENSE OF COMMUNITY IDENTITY AND PRIDE.

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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 $5,248

Program Service Revenue $73,062

Investment Income $0

Other Revenue $68,944

TOTAL REVENUE $147,254

Expense Breakdown

Grants Paid $2,000

Salaries & Benefits $97,223

Fundraising Expenses $4,625

Program Expenses $118,355

Other Expenses $42,977

TOTAL EXPENSES $142,200

Year-over-Year Comparison

	2024	2023	Change
Revenue	$147,254	$161,035	-0.1%
Expenses	$142,200	$159,667	-0.1%
Net Income	$5,054	$1,368	+2.7%

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

$18,500

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN HIBBLE	Executive Dir.	30.00	Officer	$18,500	$0	$18,500
STEVE ALLEN	Exec.Mem@lrg	1.00	Officer Director	$0	$0	$0
ROBIN NARDELLO	Director	1.00	Director	$0	$0	$0
LEONARD SANTANA	Exec.Mem@lrg	1.00	Officer Director	$0	$0	$0
DAVID LOMPA	President	1.00	Officer Director	$0	$0	$0
KIERAN KELLY	Director	1.00	Director	$0	$0	$0
RICK BAR	resident	1.00	Officer Director	$0	$0	$0
ROBERT MORSE	Exec.Mem@lrg	1.00	Officer Director	$0	$0	$0
STEVE BENNETT	Past President	1.00	Officer Director	$0	$0	$0
AUDRIES BLAKE	Vice President	0.00	Officer Director	$0	$0	$0
ZACH FRIEND	Director	1.00	Director	$0	$0	$0
ADRIAN CAVLAN	Director	1.00	Director	$0	$0	$0
JIM HART	Director	1.00	Director	$0	$0	$0
LEAH COWAN	Director	1.00	Director	$0	$0	$0
HEYSA JANSSEN	Director	1.00	Director	$0	$0	$0
ALISON HANKS	Director	1.00	Director	$0	$0	$0
RHONDA MCCORMACK	Board recorder	0.00	Officer Director	$0	$0	$0
BRIAN JOHNSON	Director	1.00	Director	$0	$0	$0
BOB NORTON	Director	1.00	Director	$0	$0	$0
PEGGY PUGHE	Exec.Mem@lrg	1.00	Officer Director	$0	$0	$0
KRISTEN FABOS	Director	1.00	Director	$0	$0	$0
MICHAEL GARDNER	Director	1.00	Director	$0	$0	$0
ANGELA CHESTNUT	Director	1.00	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	$147,254	$142,200	$133,924	$5,054
2023	$161,035	$159,667	$138,733	$1,368
2022	$148,802	$148,897	$134,993	$-95
2019	$197,602	$191,104	$16,723	$6,498
2018	$181,953	$166,090	$24,196	$15,863

APTOS CHAMBER OF COMMERCE