LINDSAY CHAMBER OF COMMERCE (EIN 940632755) - 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

1920

Legal Domicile

Principal Officer

J ROXANNE SERNA

Phone

5595624929

Tax Period

2021-01-01 to 2021-12-31

LINDSAY CHAMBER OF COMMERCE, founded in 1920, is a micro nonprofit that reported $12K in total revenue in fiscal year 2021. Revenue fell 37% from the prior year — a significant decline worth monitoring. The organization ran a surplus of $2K, a strong 19% operating margin.

Mission

THE LINDSAY CHAMBER OF COMMERCE IS A NON-PROFIT ORGANIZATION COMMITTED TO ASSUME A LEADERSHIP ROLE IN IMPROVING THE OVERALL ECONOMIC CLIMATE FOR MEMBERS THROUGH THE IMPLEMENTATION OF PROGRAMS AND SERVICES WHICH STIMULATE BUSINESS GROWTH AND ENHANCE THE QUALITY OF LIFE IN THE LINDSAY AREA.

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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 (2021)

Revenue Breakdown

Contributions & Grants $9,100

Program Service Revenue $295

Investment Income $0

Other Revenue $2,908

TOTAL REVENUE $12,303

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $105

Other Expenses $9,984

TOTAL EXPENSES $9,984

Year-over-Year Comparison

	2021	2020	Change
Revenue	$12,303	$19,436	-0.4%
Expenses	$9,984	$18,241	-0.5%
Net Income	$2,319	$1,195	+0.9%

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

N/A

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
ROBIN PERNA EDWARDS	President	0.50	Officer Director	$0	$0	$0
HENRY BOWER	Director	0.25	Director	$0	$0	$0
VIRGINIA LOYA	Director	15.00	Director	$0	$0	$0
MERCY HERRERA	Vice President	15.00	Officer Director	$0	$0	$0
J ROXANNE SERNA	Director	15.00	Director	$0	$0	$0
YVONNE CAMARGO	Director	0.50	Director	$0	$0	$0
ALICE GUTIERREZ	Director	0.25	Director	$0	$0	$0
JEANNETTE PETERSON	Treasurer	8.00	Officer Director	$0	$0	$0
CHRISTINA CASTRO	Secretary	2.50	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
2021	$12,303	$9,984	$3,545	$2,319
2020	$19,436	$18,495	$1,226	$941

LINDSAY CHAMBER OF COMMERCE