ONTARIO 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

1913

Legal Domicile

Principal Officer

RICHARD FITZSIMONDS

Phone

5418898012

Tax Period

2025-01-01 to 2025-12-31

ONTARIO CHAMBER OF COMMERCE, founded in 1913, is a small nonprofit that reported $281K in total revenue in fiscal year 2025. Revenue decreased 20% compared to the prior year. Expenses of $333K exceeded revenue, resulting in a 19% operating deficit.

Mission

TO MARKET AND STRENGTHEN OUR BUSINESSES WHILE ENHANCING QUALITY OF LIFE IN OUR COMMUNITY.

Program Service Accomplishments

Program 1

TO MARKET AND STRENGTHEN OUR BUSINESSES WHILE EHNANCING QUALITY OF LIFE IN OUR 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 (2025)

Revenue Breakdown

Contributions & Grants $248,533

Program Service Revenue $1,252

Investment Income $6,555

Other Revenue $24,482

TOTAL REVENUE $280,822

Expense Breakdown

Grants Paid $0

Salaries & Benefits $133,464

Fundraising Expenses $0

Other Expenses $199,348

TOTAL EXPENSES $332,812

Year-over-Year Comparison

	2025	2024	Change
Revenue	$280,822	$350,578	-0.2%
Expenses	$332,812	$344,325	0.0%
Net Income	$-51,990	$6,253	-9.3%

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

$70,396

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
STEVE JENSEN	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
RICHARD FITZSIMONDS	BOARD CHAIR	1.00	Officer Director	$0	$0	$0
AARON LARSON	TREASURER	1.00	Officer Director	$0	$0	$0
JOHN BREIDENBACH	PRESIDENT/CE	40.00	Officer	$70,396	$0	$70,396
DINA ELLWANGER	PAST BOARD D	1.00	Officer Director	$0	$0	$0
AMBER CAMPBELL	DIRECTOR	1.00	Director	$0	$0	$0
LANCE KING	DIRECTOR	1.00	Director	$0	$0	$0
MARA KIRBY GARICA	DIRECTOR	1.00	Director	$0	$0	$0
BILL BUHRIG	DIRECTOR	1.00	Director	$0	$0	$0
TIM BREWER	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTA GRACE	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
2025	$280,822	$332,812	$463,202	$-51,990
2024	No data	No data	No data	No data
2023	$364,590	$350,862	$508,939	$13,728
2022	$377,815	$268,767	$495,211	$109,048
2021	$308,792	$214,878	$398,688	$93,914
2020	$194,143	$215,287	$312,879	$-21,144
2019	$273,067	$262,983	$344,771	$10,084
2018	$267,807	$280,126	$338,948	$-12,319