TRACY CHAMBER OF COMMERCE (EIN 940932140) - 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

1923

Legal Domicile

Principal Officer

MATT DRURY

Phone

2098352131

Tax Period

2024-01-01 to 2024-12-31

TRACY CHAMBER OF COMMERCE, founded in 1923, is a small nonprofit in the Education sector that reported $199K in total revenue in fiscal year 2024. Revenue decreased 19% compared to the prior year.

Mission

SPONSOR EVENTS AND PUBLICATIONS THROUGHOUT THE YEAR TO PROVIDE THE GENERAL PUBLIC WITH AN EDUCATION OF THE COMMERCE SERVICES AND OPPORTUNITIES AVAILABLE IN THE TRACY 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 (2024)

Revenue Breakdown

Contributions & Grants $162,182

Program Service Revenue $18,898

Investment Income $712

Other Revenue $16,934

TOTAL REVENUE $198,726

Expense Breakdown

Grants Paid $0

Salaries & Benefits $120,470

Fundraising Expenses $0

Program Expenses $6,516

Other Expenses $88,668

TOTAL EXPENSES $209,138

Year-over-Year Comparison

	2024	2023	Change
Revenue	$198,726	$244,979	-0.2%
Expenses	$209,138	$256,603	-0.2%
Net Income	$-10,412	$-11,624	-0.1%

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

$71,918

Total Directors

$71,918

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DAVID TORRES	BOARD CHAIR	2.00	Director	$0	$0	$0
MATT DRURY	VP OF FINANCE	1.00	Director	$0	$0	$0
MARIA AYALA	SECRETARY	1.00	Director	$0	$0	$0
LISA AGUILERA	DIRECTOR	1.00	Director	$0	$0	$0
VIRNA HUDSON	DIRECTOR	1.00	Director	$0	$0	$0
CONRAD LEVOIT	DIRECTOR	1.00	Director	$0	$0	$0
GURTEJ ATWAL	DIRECTOR	1.00	Director	$0	$0	$0
LISA CRACRAFT	DIRECTOR	1.00	Director	$0	$0	$0
MITRA BEHNAM	DIRECTOR	1.00	Director	$0	$0	$0
DEBBIE GEORGE	DIRECTOR	1.00	Director	$0	$0	$0
JOHN PALMER	DIRECTOR	1.00	Director	$0	$0	$0
MICHAELA TOSCAS	DIRECTOR	1.00	Director	$0	$0	$0
MARIA VALENZUELA	CEO	1.00	Officer Director	$52,689	$0	$52,689
DAVID GARCIA	PAST CHAIR	1.00	Officer Director	$19,229	$0	$19,229

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	$198,726	$209,138	$157,818	$-10,412
2023	$244,979	$256,603	$180,308	$-11,624
2022	$294,132	$284,070	$204,900	$10,062
2021	$233,130	$270,910	$205,762	$-37,780
2020	$183,453	$214,668	$244,506	$-31,215
2019	$256,462	$286,711	$153,567	$-30,249
2018	$281,253	$252,074	$214,422	$29,179

TRACY CHAMBER OF COMMERCE