CALDWELL CHAMBER OF COMMERCE INC

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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

1910

Legal Domicile

Principal Officer

TRAVIS PALMER

Phone

2084597493

Tax Period

2023-01-01 to 2023-12-31

CALDWELL CHAMBER OF COMMERCE INC, founded in 1910, is a small nonprofit that reported $198K in total revenue in fiscal year 2023. Expenses of $175K left a modest 11% surplus.

Mission

THE CALDWELL CHAMBER OF COMMERCE MISSION STATEMENT IS TO PROMOTE THE ECONOMIC VITALITY OF CALDWELL BUSINESSES THROUGH EDUCATION PROGRAMMING, MARKETING OPPORTUNITIES, AND ADVOCACY.

Program Service Accomplishments

Program 1

AMBASSADORS'/NOONBREAK MONTHLY NOON MEETING TO PROMOTE CALDWELL BUSINESS AND INFORM COMMUNITY REGARDING LOCAL EVENTS, PROMOTIONS, ETC.

Program 2

BUSINESS AFTER HOURS; COFFEE CONNECT; MONTHLY GATHERINGS TO ALLOW MEMBERS TO NETWORK AND TO EXCHANGE INFORMATION. BUSINESS AFTER HOURS IS EACH MONTH IN THE EVENING AND CAN INVOLVE FROM 25 TO 200...

BUSINESS AFTER HOURS; COFFEE CONNECT; MONTHLY GATHERINGS TO ALLOW MEMBERS TO NETWORK AND TO EXCHANGE INFORMATION. BUSINESS AFTER HOURS IS EACH MONTH IN THE EVENING AND CAN INVOLVE FROM 25 TO 200 PEOPLE. COFFEE CONNECT IS EACH MONTH IN THE MORNING AND USUALLY INVOLVES 20 TO 25 PEOPLE.

Program 3

BUCKAROO BREAKFAST,KIDS CORNER,ENTERTAINMENT; CREATE A COMMUNITY-WIDE ACTIVITY THAT WILL PROMOTE LOCAL BUSINESS AND COMMUNITY GOODWILL DURING THE ANNUAL RODEO.

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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 (2023)

Revenue Breakdown

Contributions & Grants $12,750

Program Service Revenue $116,046

Investment Income $20

Other Revenue $69,072

TOTAL REVENUE $197,888

Expense Breakdown

Grants Paid $0

Salaries & Benefits $76,839

Fundraising Expenses $0

Other Expenses $98,561

TOTAL EXPENSES $175,400

Year-over-Year Comparison

	2023	2022	Change
Revenue	$197,888	$199,463	0.0%
Expenses	$175,400	$194,734	-0.1%
Net Income	$22,488	$4,729	+3.8%

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

N/A

Employees

Volunteers

233

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

$13,846

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TRAVIS PALMER	Executive Dir.	40.00	Director	$13,846	$0	$13,846
ROB GRAHAM	Director	1.00	Director	$0	$0	$0
SHANEL WILSON	Treasurer	1.00	Director	$0	$0	$0
TROY HOOPER	PAST CHAIR	1.00	Director	$0	$0	$0
DAVID MOORE	Director	1.00	Director	$0	$0	$0
BRAD BURBANK	Secretary	1.00	Director	$0	$0	$0
TORIE RAMIREZ	CHAIR ELECT	1.00	Director	$0	$0	$0
NATHAN TINDALL	Director	1.00	Director	$0	$0	$0
SETH RUHTER	Director	1.00	Director	$0	$0	$0
JAMES SOKOLOSKE	Director	1.00	Director	$0	$0	$0
STEPHEN PARROTT	Director	1.00	Director	$0	$0	$0
JAMES BARRETT	Chairman	1.00	Director	$0	$0	$0
CAROL HOWELL	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	No data	No data	No data	No data
2023	$197,888	$175,400	$77,104	$22,488
2022	$199,463	$194,734	$56,287	$4,729
2019	$219,500	$238,471	$55,067	$-18,971
2018	$178,383	$194,631	$73,291	$-16,248