Hayward Chamber of Commerce (EIN 941018823) - 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

1941

Legal Domicile

Principal Officer

Lucy Lopez

Phone

5105372424

Tax Period

2024-07-01 to 2025-06-30

Hayward Chamber of Commerce, founded in 1941, is a small nonprofit that reported $292K in total revenue in fiscal year 2024. Expenses of $327K exceeded revenue, resulting in a 12% operating deficit.

Mission

The Hayward Chamber of Commerce is a champion for businesses through leadership programs and political advocacy

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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 $97,602

Program Service Revenue $193,983

Investment Income $98

Other Revenue $0

TOTAL REVENUE $291,683

Expense Breakdown

Grants Paid $0

Salaries & Benefits $156,031

Fundraising Expenses $0

Program Expenses $55,561

Other Expenses $170,774

TOTAL EXPENSES $326,805

Year-over-Year Comparison

	2024	2023	Change
Revenue	$291,683	$278,553	+0.0%
Expenses	$326,805	$376,984	-0.1%
Net Income	$-35,122	$-98,431	-0.6%

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

$42,717

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LUCY LOPEZ	CEO	50.00	Highest	$95,833	$5,717	$101,550
AMY COMPANI	Operations Director	30.00	Key Emp	$37,386	$0	$37,386
TRESSA MARQUES	Program Coordinator	40.00	Key Emp	$5,331	$0	$5,331
LINDA RENTERIA	Director	2.00	Director	$0	$0	$0
DIANN CASTLEBERRY	Director	2.00	Director	$0	$0	$0
MICHAEL COBB	Director	2.00	Director	$0	$0	$0
ALEJANDRO GAMARRA	Director	2.00	Director	$0	$0	$0
CIRCO JR CONTRERAS	Treasurer	2.00	Director	$0	$0	$0
RAY ORTNER	Director	2.00	Director	$0	$0	$0
FELIPE GONZALEZ	Director	2.00	Director	$0	$0	$0
PATRICK LANDEZA	Director	2.00	Director	$0	$0	$0
KENNETH E MAXEY LL	Director	2.00	Director	$0	$0	$0
NICOLE ROA	Director	2.00	Director	$0	$0	$0
LUIS ZAMBRANA	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
2025	$291,683	$326,805	$12,145	$-35,122
2024	$278,553	$376,984	$48,231	$-98,431
2023	$362,371	$329,466	$141,502	$32,905
2022	$276,926	$292,942	$123,396	$-16,016
2021	$257,222	$288,774	$128,656	$-31,552
2020	$393,227	$375,305	$95,144	$17,922
2019	$423,817	$416,879	$108,961	$6,938

Hayward Chamber of Commerce