Hayward 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

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.

Program Service Accomplishments

Program 1

Expenses: $36,392 Revenue: $104,244

These community events showcase the lively atmosphere of downtown Hayward, drawing over a cumulative 20,000 attendees to enjoy live music, delicious food, and local vendors. These events play a...

These community events showcase the lively atmosphere of downtown Hayward, drawing over a cumulative 20,000 attendees to enjoy live music, delicious food, and local vendors. These events play a crucial role in encouraging local economic growth, fostering community spirit, and promoting the unique identity of Hayward.

Program 2

Expenses: $14,401 Revenue: $24,951

Mariachi Festival: A vibrant celebration of Mexican culture, our mariachi festival draws over 5,000 attendees from across the San Francisco Bay Area, offering businesses a unique opportunity to...

Mariachi Festival: A vibrant celebration of Mexican culture, our mariachi festival draws over 5,000 attendees from across the San Francisco Bay Area, offering businesses a unique opportunity to engage with a diverse audience. Renowned mariachi bands showcase the genres rich heritage through stunning regalia, intricate instrumentation, and soulful vocals. Beyond electrifying performances, the festival features a vibrant mercado with local artisans, authentic Mexican cuisine, and interactive cultural demonstrations. This family-friendly event celebrates our communitys diversity and cultural richness, leaving a lasting impression on all attendees.

Program 3

Expenses: $4,768 Revenue: $23,600

Leadership Hayward is a nine-month professional development program running from October to June. This program garners widespread support for its positive impact on the Hayward community. Our cohort of 20 attendees includes representatives from businesses, goverments, economic development, agencies, and education sectors.

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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