The Mendocino Coast Chamber of Commerce (EIN 940481335) - 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

1950

Legal Domicile

Principal Officer

Rhonda Stoker

Phone

7079616300

Tax Period

2024-07-01 to 2025-06-30

The Mendocino Coast Chamber of Commerce, founded in 1950, is a small nonprofit that reported $137K in total revenue in fiscal year 2024. Revenue grew 16% year-over-year, indicating healthy expansion. Expenses of $124K left a modest 10% surplus.

Mission

To promote and support local business and the community as a whole.

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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 $80,507

Program Service Revenue $2,396

Investment Income $33

Other Revenue $54,348

TOTAL REVENUE $137,284

Expense Breakdown

Grants Paid $0

Salaries & Benefits $68,089

Fundraising Expenses $0

Program Expenses $62,897

Other Expenses $55,990

TOTAL EXPENSES $124,079

Year-over-Year Comparison

	2024	2023	Change
Revenue	$137,284	$118,625	+0.2%
Expenses	$124,079	$127,076	0.0%
Net Income	$13,205	$-8,451	-2.6%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Nickie Willitt	Board Member	2.00	Director	$0	$0	$0
Tom Yates	Board Member	2.00	Director	$0	$0	$0
Kari Walsh	Board Member	2.00	Director	$0	$0	$0
Rhonda Stoker	Chair Person	2.00	Officer Director	$0	$0	$0
Ray Alarcon	Executive BoardPast Chair	2.00	Officer Director	$0	$0	$0
Margaret Rush	Assistant Chair	2.00	Officer Director	$0	$0	$0
Jennifer Owen	Treasurer	2.00	Officer 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	$137,284	$124,079	$71,480	$13,205
2024	$118,625	$127,076	$73,141	$-8,451
2023	$106,033	$153,509	$104,434	$-47,476
2022	$92,225	$120,088	$111,787	$-27,863
2021	$106,171	$138,647	$138,392	$-32,476
2020	$94,895	$181,814	$97,323	$-86,919
2019	$207,080	$195,611	$184,322	$11,469

The Mendocino Coast Chamber of Commerce