BELLINGHAMWHATCOM CHAMBER OF COMMERCE & INDUSTRY (EIN 910141830) - 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

1982

Legal Domicile

Principal Officer

GUY OCCHIOGROSSO

Phone

3607341330

Tax Period

2023-01-01 to 2023-12-31

BELLINGHAMWHATCOM CHAMBER OF COMMERCE & INDUSTRY, founded in 1982, is a small nonprofit that reported $379K in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year. Expenses of $427K exceeded revenue, resulting in a 13% operating deficit.

Mission

DEVELOP LOCAL BUSINESS AND INDUSTRY

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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 $134,840

Program Service Revenue $314,888

Investment Income $887

Other Revenue $-71,758

TOTAL REVENUE $378,857

Expense Breakdown

Grants Paid $0

Salaries & Benefits $181,886

Fundraising Expenses $0

Other Expenses $244,671

TOTAL EXPENSES $426,557

Year-over-Year Comparison

	2023	2022	Change
Revenue	$378,857	$407,188	-0.1%
Expenses	$426,557	$406,004	+0.1%
Net Income	$-47,700	$1,184	-41.3%

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

$77,625

Total Directors

$77,625

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LUNA CALE	MEMBER	1.00	Director	$0	$0	$0
PEDACK ERIN	MEMBER	0.25	Director	$0	$0	$0
BOUCHER THOMAS	MEMBER	0.25	Director	$0	$0	$0
FERGUSON LESA	MEMBER	0.25	Director	$0	$0	$0
BOWEN ANNE	MEMBER	0.25	Director	$0	$0	$0
ROSELLI CHRIS	SECRETARY	0.25	Officer Director	$0	$0	$0
WOOLSON SETH	MEMBER	0.25	Director	$0	$0	$0
SUTTERFIELD JIM	MEMBER	0.25	Director	$0	$0	$0
HERNDON KATHY	MEMBER	0.25	Director	$0	$0	$0
SLEDGE STACEE	CHAIR	0.25	Officer Director	$0	$0	$0
OCCHIOGROSSO GUY	PRESIDENT & CEO	40.00	Officer Director	$77,625	$0	$77,625
CALLOWAY LANCE	MEMBER	0.25	Director	$0	$0	$0
LINDSEY LISA	MEMBER	0.25	Director	$0	$0	$0
ROBINSON MARY KAY	MEMBER	0.25	Director	$0	$0	$0
VANDER GRIEND CARRYN	AT LARGE	0.25	Director	$0	$0	$0
WEBBER DANA	MEMBER	0.25	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	$378,857	$426,557	$157,320	$-47,700
2022	$407,188	$406,004	$213,026	$1,184
2021	$452,596	$327,845	$296,357	$124,751
2020	$392,917	$317,239	$174,509	$75,678
2019	$495,704	$508,463	$18,937	$-12,759
2018	$569,650	$573,425	$33,775	$-3,775

BELLINGHAMWHATCOM CHAMBER OF COMMERCE & INDUSTRY