Bay Area Chamber of Commerce (EIN 930772212) - 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

1980

Legal Domicile

Phone

5412660868

Tax Period

2024-01-01 to 2024-12-31

Bay Area Chamber of Commerce, founded in 1980, is a small nonprofit that reported $319K in total revenue in fiscal year 2024. Revenue decreased 13% compared to the prior year.

Mission

To provide an opportunity for businesses to network with each other, market products and services and expand their knowledge of the Bay Area business and community climate.

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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 $1,000

Program Service Revenue $316,452

Investment Income $1,551

Other Revenue $0

TOTAL REVENUE $319,003

Expense Breakdown

Grants Paid $0

Salaries & Benefits $159,767

Fundraising Expenses $0

Program Expenses $335,056

Other Expenses $175,289

TOTAL EXPENSES $335,056

Year-over-Year Comparison

	2024	2023	Change
Revenue	$319,003	$365,257	-0.1%
Expenses	$335,056	$270,807	+0.2%
Net Income	$-16,053	$94,450	-1.2%

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

$75,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Rosie Thomas	Executive Director	40.00	Director	$75,000	$0	$75,000
Stacy Dewater	Past President	2.00	Director	$0	$0	$0
Jeremy Oliver	Vice President - Tourism	2.00	Officer Director	$0	$0	$0
Dominic Jurado	Director	2.00	Director	$0	$0	$0
Allison Richards	President	2.00	Officer Director	$0	$0	$0
Ron Kutch	Vice President - Govt Affairs	2.00	Officer Director	$0	$0	$0
Rick Osborn	Director	2.00	Director	$0	$0	$0
Amy Bailey	Secretary	2.00	Officer Director	$0	$0	$0
Steve Nye	President-Elect	2.00	Director	$0	$0	$0
Tracy Pierce	Vice President - Communications	2.00	Officer Director	$0	$0	$0
Mark James	Director	2.00	Director	$0	$0	$0
Tim Novotny	Director	2.00	Director	$0	$0	$0
Justin Miller	Treasurer	2.00	Officer Director	$0	$0	$0
Allan Ledesma	Director	2.00	Director	$0	$0	$0
Rodney Stalcup	Director	2.00	Director	$0	$0	$0
Cheyenne Arbuckle	Director	2.00	Director	$0	$0	$0
Tim Hyatt	Director	2.00	Director	$0	$0	$0
Mark Mattecheck	Director	2.00	Director	$0	$0	$0
Tina Millburn	Director	2.00	Director	$0	$0	$0
Jamie Mayo	Director	2.00	Director	$0	$0	$0
Sammie Arzie	Director	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	$319,003	$335,056	$148,806	$-16,053
2023	$365,257	$270,807	$165,142	$94,450
2022	$215,098	$271,036	$76,775	$-55,938
2021	$293,379	$236,180	$132,713	$57,199
2020	$244,946	$234,764	$75,514	$10,182
2019	$291,474	$275,398	$65,332	$16,076
2018	$326,040	$336,146	$49,981	$-10,106

Bay Area Chamber of Commerce