BULVERDE-SPRING BRANCH AREA CHAMBER OF COMMERCE (EIN 820567985) - 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

1995

Legal Domicile

Principal Officer

RHONDA ZUNKER

Phone

8304384285

Tax Period

2024-01-01 to 2024-12-31

BULVERDE-SPRING BRANCH AREA CHAMBER OF COMMERCE, founded in 1995, is a small nonprofit in the Community Improvement sector that reported $330K in total revenue in fiscal year 2024. Revenue fell 28% from the prior year — a significant decline worth monitoring.

Mission

THE BULVERDE SPRING BRANCH AREA CHAMBER OF COMMERCE IS AN ASSOCIATION OF BUSINESSES AND INDIVIDUALS ORGANIZED TO ADVOCATE AND PROMOTE THE SUCCESS OF OUR MEMBERS AND RESPONSIBLE GROWTH OF OUR BUSINESS COMMUNITY.

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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 $259,987

Program Service Revenue $48,985

Investment Income $4,243

Other Revenue $17,220

TOTAL REVENUE $330,435

Expense Breakdown

Grants Paid $784

Salaries & Benefits $204,700

Fundraising Expenses $0

Program Expenses $212,662

Other Expenses $142,824

TOTAL EXPENSES $348,308

Year-over-Year Comparison

	2024	2023	Change
Revenue	$330,435	$457,440	-0.3%
Expenses	$348,308	$420,906	-0.2%
Net Income	$-17,873	$36,534	-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

Volunteers

175

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

$56,149

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RHONDA ZUNKER	PRESIDENT	40.00	Officer	$56,149	$0	$56,149
STERLING ALEXANDER	DIRECTOR	1.00	Director	$0	$0	$0
PAUL BARTON	DIRECTOR	1.00	Director	$0	$0	$0
STEVE CHAFIN	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL CLARK	TREASURER	2.00	Officer	$0	$0	$0
KIM GILBERT	CHAIR	2.00	Officer	$0	$0	$0
MICHAEL GUGLIOTTI	2ND VICE CHA	1.00	Officer	$0	$0	$0
TOM HACKLEMAN	1ST VICE CHA	2.00	Officer	$0	$0	$0
JOSH KNIGHT	DIRECTOR	1.00	Director	$0	$0	$0
CYNTHIA MCGEE	DIRECTOR	1.00	Director	$0	$0	$0
MATT MCKEE	DIRECTOR	1.00	Director	$0	$0	$0
ANGELA MORENO	SECRETARY	2.00	Officer	$0	$0	$0
PAULA STAKES	DIRECTOR	1.00	Director	$0	$0	$0
HERMIE TALAMANTEZ	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	$330,435	$348,308	$131,321	$-17,873
2023	$457,440	$420,906	$153,025	$36,534
2022	$359,212	$381,373	$111,210	$-22,161
2021	$330,617	$322,204	$148,162	$8,413
2020	$317,824	$323,753	$134,017	$-5,929
2019	$273,810	$278,209	$143,170	$-4,399
2018	$276,928	$278,702	$137,123	$-1,774

BULVERDE-SPRING BRANCH AREA CHAMBER OF COMMERCE