SAN RAFAEL 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

1930

Legal Domicile

Principal Officer

KAREN STROLIA

Phone

4154544163

Tax Period

2024-01-01 to 2024-12-31

SAN RAFAEL CHAMBER OF COMMERCE, founded in 1930, is a small nonprofit that reported $559K in total revenue in fiscal year 2024.

Mission

THE SAN RAFAEL CHAMBER OF COMMERCE IS A MEMBER-BASED BUSINESS ADVOCACY ORGANIZATION PROVIDING A STRONG VOICE IN SUPPORT OF THE ECONOMIC VITALITY OF THE SAN RAFAEL, CALIFORNIA COMMUNITY.

Program Service Accomplishments

Program 1

GENERAL ACTIVITIES AND PROGRAMS DESIGNED TO ENHANCE THE BUSINESS COMMUNITY AND TO ENCOURAGE COMMERCE IN SAN RAFAEL, CA.

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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 $160,358

Program Service Revenue $398,290

Investment Income $0

Other Revenue $0

TOTAL REVENUE $558,648

Expense Breakdown

Grants Paid $0

Salaries & Benefits $303,917

Fundraising Expenses $0

Other Expenses $307,882

TOTAL EXPENSES $611,799

Year-over-Year Comparison

	2024	2023	Change
Revenue	$558,648	$575,620	0.0%
Expenses	$611,799	$568,592	+0.1%
Net Income	$-53,151	$7,028	-8.6%

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

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
ANDREA HENDERSON	CHAIR	24.00	Officer Director	$0	$0	$0
CAROL PARKS	PAST-CHAIR	24.00	Officer Director	$0	$0	$0
YUNG-JAE LEE	DIRECTOR	12.00	Director	$0	$0	$0
JENNIFER GRENIER SELVIG	DIRECTOR	12.00	Director	$0	$0	$0
OMAR CARRERA	DIRECTOR	12.00	Director	$0	$0	$0
ROB DEVINCENZI	DIRECTOR	12.00	Director	$0	$0	$0
LEIGH BAKHTIARI	DIRECTOR	12.00	Director	$0	$0	$0
LIBBY WOOD	DIRECTOR	12.00	Director	$0	$0	$0
ROGER SMITH	DIRECTOR	12.00	Director	$0	$0	$0
DR DAVID KLEIN	DIRECTOR	12.00	Director	$0	$0	$0
GWEN MAYER	TREASURER	24.00	Officer Director	$0	$0	$0
DARYOUSH DAVIDI	DIRECTOR	12.00	Director	$0	$0	$0
JOE MCCALLUM	VICE-CHAIR	24.00	Officer Director	$0	$0	$0
MIRIAM KARELL	DIRECTOR	12.00	Director	$0	$0	$0
BEAU BLANCHARD	SECRETARY	24.00	Officer Director	$0	$0	$0
LATOYA WORTHY	DIRECTOR	8.00	Director	$0	$0	$0
LYNSEY KAYESR	DIRECTOR	12.00	Director	$0	$0	$0
KAREN STROLIA	PRESIDENT	24.00		$145,000	$0	$145,000

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	$558,648	$611,799	$460,256	$-53,151
2022	$589,434	$580,231	$567,868	$9,203
2021	$518,254	$473,851	$555,507	$44,403
2020	$480,783	$465,808	$475,965	$14,975
2019	$627,559	$612,373	$391,041	$15,186
2018	$589,034	$569,633	$387,947	$19,401