BANDON 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

1990

Legal Domicile

Phone

5413479616

Tax Period

2024-07-01 to 2025-06-30

BANDON CHAMBER OF COMMERCE, founded in 1990, is a small nonprofit that reported $272K in total revenue in fiscal year 2024. Revenue fell 25% from the prior year — a significant decline worth monitoring. Expenses of $316K exceeded revenue, resulting in a 16% operating deficit.

Mission

SUSTAIN, PROMOTE, AND IMPROVE BANDON ECONOMICALLY, AESTHETICALLY, AND CULTURALLY AS A UNIQUE AND PREFERRED PLACE TO LIVE AND WORK. ATTRACT NEW BUSINESS AND DEVELOP EXISTING ENTERPRISE. ATTRACT A GREATER NUMBER OF VISITORS AND INCREASE THEIR STAYS.

Program Service Accomplishments

Program 1

Expenses: $315,768

THE CHAMBER OF COMMERCE ADVANCES ITS MISSION BY OPERATING THE BANDON VISITOR CENTER, PROMOTING THE COMMUNITY AS A TRAVEL DESTINATION THROUGH TRANSIENT OCCUPANCY TAX (TOT)FUNDED DIGITAL, PRINT, AND...

THE CHAMBER OF COMMERCE ADVANCES ITS MISSION BY OPERATING THE BANDON VISITOR CENTER, PROMOTING THE COMMUNITY AS A TRAVEL DESTINATION THROUGH TRANSIENT OCCUPANCY TAX (TOT)FUNDED DIGITAL, PRINT, AND BROADCAST MARKETING, AND SUPPORTING LOCAL BUSINESSES WITH NETWORKING, EDUCATION, AND PROMOTIONAL OPPORTUNITIES. IT ORGANIZES FESTIVALS AND EVENTSMOST NOTABLY THE ANNUAL CRANBERRY FESTIVALWHICH DRAW VISITORS, BOOST LOCAL COMMERCE, AND BUILD COMMUNITY IDENTITY, WHILE ALSO ADMINISTERING THE CRANBERRY FESTIVAL COURT AND AWARDING SCHOLARSHIPS. THE CHAMBER MAINTAINS A COMPREHENSIVE WEBSITE FOR VISITORS AND MEMBERS AND LEVERAGES DIGITAL AND SOCIAL MEDIA PLATFORMS TO MARKET BANDON AND SUPPORT CHAMBER MEMBERS.

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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 $711

Program Service Revenue $252,030

Investment Income $15,791

Other Revenue $3,230

TOTAL REVENUE $271,762

Expense Breakdown

Grants Paid $5,000

Salaries & Benefits $66,935

Fundraising Expenses $0

Program Expenses $315,768

Other Expenses $243,833

TOTAL EXPENSES $315,768

Year-over-Year Comparison

	2024	2023	Change
Revenue	$271,762	$360,914	-0.2%
Expenses	$315,768	$293,246	+0.1%
Net Income	$-44,006	$67,668	-1.7%

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
LORI OSBORNE	PAST CHAIR	0.00	Director	$0	$0	$0
SARA KIMBALL	DIRECTOR	2.00	Officer Director	$0	$0	$0
ANNE MCCALEB	TREASURER	2.00	Officer Director	$0	$0	$0
BRANDIE WRIGHT	CHAIR	5.00	Officer Director	$0	$0	$0
TIA LAWRENCE	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTINE MICHALEK	VICE CHAIR	1.00	Director	$0	$0	$0
NATHAN HARREN	SECRETARY	1.00	Officer Director	$0	$0	$0
ANGELA BAKER GEPPERT	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	$271,762	$315,768	$341,564	$-44,006
2024	$360,914	$293,246	$386,597	$67,668
2023	$332,673	$316,297	$309,532	$16,376
2022	$285,101	$272,864	$299,006	$12,237
2021	$243,437	$210,883	$298,470	$32,554
2020	$294,465	$224,477	$227,788	$69,988
2019	$202,445	$198,837	$158,924	$3,608
2018	$226,668	$201,530	$153,146	$25,138