NOGALES CHAMBER OF COMMERCE INC (EIN 860042095) - 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

1985

Legal Domicile

Tax Period

2024-01-01 to 2024-12-31

NOGALES CHAMBER OF COMMERCE INC, founded in 1985, is a small nonprofit that reported $212K in total revenue in fiscal year 2024. Revenue surged 68% from the prior year, signaling strong growth momentum. The organization ran a surplus of $38K, a strong 18% operating margin.

Mission

THE CHAMBER OF COMMERCE IS A MEMBERSHIP ORGANIZATION WHOSE PURPOSE IS THE ADVANCEMENT OF ECONOMIC, INDUSTRIAL, PROFESSIONAL, CULTURAL AND CIVIC WELFARE OF THE NOGALES AND SANTA CRUZ COUNTY AREAS.

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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 $96,317

Program Service Revenue $115,260

Investment Income $1

Other Revenue $0

TOTAL REVENUE $211,578

Expense Breakdown

Grants Paid $0

Salaries & Benefits $67,320

Fundraising Expenses $0

Program Expenses $69,742

Other Expenses $106,207

TOTAL EXPENSES $173,527

Year-over-Year Comparison

	2024	2023	Change
Revenue	$211,578	$125,984	+0.7%
Expenses	$173,527	$136,885	+0.3%
Net Income	$38,051	$-10,901	-4.5%

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

N/A

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
CESAR PARADA	BOARD MEMBER	5.00	Director	$0	$0	$0
GUSTAVO ACOSTA	BOARD MEMBER	4.00	Director	$0	$0	$0
ARNOLD QUIJADA	CHAIRMAN OF THE BOARD	3.00	Director	$0	$0	$0
JORGE L LEON	DIRECTOR	3.00	Director	$0	$0	$0
OLIVIA AINZA	PRESIDENT CEO	40.00	Officer	$0	$0	$0
ANNA PARADA	TREASURER	10.00	Officer	$0	$0	$0
JESSY FONTES	CHAIRMAN OF THE BOARD	15.00	Officer	$0	$0	$0
LISA GONZALES	SECRETARY	10.00	Officer	$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	No data	No data	No data	No data
2024	$211,578	$173,527	$118,905	$38,051

NOGALES CHAMBER OF COMMERCE INC