SISTERS AREA 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

1998

Legal Domicile

Phone

5415490251

Tax Period

2024-01-01 to 2024-12-31

SISTERS AREA CHAMBER OF COMMERCE, founded in 1998, is a small nonprofit that reported $150K in total revenue in fiscal year 2024. Revenue fell 48% from the prior year — a significant decline worth monitoring. Expenses of $260K exceeded revenue, resulting in a 74% operating deficit.

Mission

ENHANCING THE ECONOMIC VITALITY OF SISTERS COUNTRY THROUGH TOURISM DEVELOPMENT AND PROMOTION, BUSINESS ADVOCACY, AND COMMUNITY SUPPORT.

Program Service Accomplishments

Program 1

Expenses: $181,849

THE ORGANIZATION UNIFIES AND COORDINATES THE EFFORTS OF BUSINESS AND RESIDENTS IN PROMOTING THE CIVIC, INDUSTRIAL, COMMERICAL, AGRICULTURAL, ENVIRONMENTAL AND GENERAL WELFARE OF THE CITY OF SISTERS...

Program 2

THE ORGANIZATION HAS SUPPORTED IT'S MEMBERSHIP AND ENHANCED THE OVERALL BUSINESS CLIMATE BY SPONSERING COMMUNITY EVENTS AND PROVIDING A WIDE ARRAY OF BENEFITS THAT INCLUDED MEMBERSHIP MEETINGS...

THE ORGANIZATION HAS SUPPORTED IT'S MEMBERSHIP AND ENHANCED THE OVERALL BUSINESS CLIMATE BY SPONSERING COMMUNITY EVENTS AND PROVIDING A WIDE ARRAY OF BENEFITS THAT INCLUDED MEMBERSHIP MEETINGS, DIRECTORY LISTINGS, CO-OPERATIVE ADVERTISING AND MARKETING, BUSINESS RESOURCES, EDUCATIONAL WORKSHOPS, MOTHLY NEWSLETTERS, MAILING LISTS, RELOCATION INFORMATION, ADVOCACY, AND FREE WEB-SITE LISTINGS

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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 $2,000

Program Service Revenue $145,215

Investment Income $2,351

Other Revenue $0

TOTAL REVENUE $149,566

Expense Breakdown

Grants Paid $0

Salaries & Benefits $124,241

Fundraising Expenses $0

Program Expenses $181,849

Other Expenses $135,546

TOTAL EXPENSES $259,787

Year-over-Year Comparison

	2024	2023	Change
Revenue	$149,566	$289,394	-0.5%
Expenses	$259,787	$295,729	-0.1%
Net Income	$-110,221	$-6,335	+16.4%

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

Total Directors

$78,121

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BEVERLY GARCIA	PRESIDENT	2.00	Officer Director	$0	$0	$0
JUDY TREGO	EXECUTIVE DIRECTOR	40.00	Director	$78,121	$0	$78,121
KELLY CYRUS	DIRECTOR	2.00	Director	$0	$0	$0
MARC MADRON	SECRET/TREASUR	2.00	Officer Director	$0	$0	$0
ROCHELLE JOHNSON	VICE PRESIDENT	2.00	Officer Director	$0	$0	$0
TURI SHERGOLD	CFO	2.00	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	$149,566	$259,787	$37,715	$-110,221
2023	$289,394	$295,729	$165,312	$-6,335
2022	$285,472	$330,960	$152,788	$-45,488
2021	$414,439	$416,890	$218,008	$-2,451
2020	$303,957	$324,915	$260,787	$-20,958
2020	$405,393	$426,351	$260,787	$-20,958
2019	$374,695	$388,719	$239,675	$-14,024
2018	$361,814	$404,490	$255,997	$-42,676