APTOS 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

Phone

8316881467

Tax Period

2025-01-01 to 2025-12-31

APTOS CHAMBER OF COMMERCE, founded in 1960, is a small nonprofit that reported $142K in total revenue in fiscal year 2025.

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.

Program Service Accomplishments

Program 1

The Aptos Chamber of Commerce holds several community events for local business people including a monthly lunch meeting, annual dinner, offers business showcase and monthly newsletters to their...

The Aptos Chamber of Commerce holds several community events for local business people including a monthly lunch meeting, annual dinner, offers business showcase and monthly newsletters to their members. The purpose of the annual dinner is to recognize outstanding people in the community and raise money for the organization. Several special events are held throughout the year for the purpose of building and networking for the organization's members.

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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 (2025)

Revenue Breakdown

Contributions & Grants $3,338

Program Service Revenue $73,160

Investment Income $0

Other Revenue $65,351

TOTAL REVENUE $141,849

Expense Breakdown

Grants Paid $0

Salaries & Benefits $98,401

Fundraising Expenses $6,000

Other Expenses $47,639

TOTAL EXPENSES $146,040

Year-over-Year Comparison

	2025	2024	Change
Revenue	$141,849	$147,254	0.0%
Expenses	$146,040	$142,200	+0.0%
Net Income	$-4,191	$5,054	-1.8%

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

$24,000

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KAREN HIBBLE	Executive Dir.	30.00	Officer	$24,000	$0	$24,000
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
RUTH BATES	Treasurer	1.00	Officer Director	$0	$0	$0
RICK BAR	Director	1.00	Director	$0	$0	$0
ROBERT MORSE	Exec.Mem@lrg	1.00	Officer Director	$0	$0	$0
STEVE BENNETT	Exec.Mem@lrg	1.00	Officer Director	$0	$0	$0
AUDRIES BLAKE	President	1.00	Officer Director	$0	$0	$0
ADRIAN CAVLAN	Director	1.00	Director	$0	$0	$0
SHERIFF CHRIS CLARK	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
RHONDA MCCORMACK	Board recorder	1.00	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	Director	$0	$0	$0
KRISTEN FABOS	Vice President	1.00	Officer Director	$0	$0	$0
MICHAEL GARDNER	Director	1.00	Director	$0	$0	$0
DAVID LOMPA	Immediate Past President	0.50		$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	$141,849	$146,040	$106,911	$-4,191
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