Manteca 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

1923

Legal Domicile

Phone

2098236121

Tax Period

2024-07-01 to 2025-06-30

Manteca Chamber of Commerce, founded in 1923, is a small nonprofit that reported $295K in total revenue in fiscal year 2024. Expenses of $270K left a modest 9% surplus.

Program Service Accomplishments

Program 1

Expenses: $269,605

THE OBJECT OF THE MANTECA CHAMBER OF COMMERCE SHALL BE TO WORK FOR THE BETTERMENT OF ALL PHASES OF CIVIC AND COMMUNITY LIFE IN THE MANTECA AREA, INCLUDING ITS RESIDENTS, INDUSTRY, AGRICULTURE...

THE OBJECT OF THE MANTECA CHAMBER OF COMMERCE SHALL BE TO WORK FOR THE BETTERMENT OF ALL PHASES OF CIVIC AND COMMUNITY LIFE IN THE MANTECA AREA, INCLUDING ITS RESIDENTS, INDUSTRY, AGRICULTURE, COMMERCE, BUSINESS AND RESIDENTIAL AREAS. IT SHALL CONSIDER AND ACT ON ANY LEGISLATION OR ANY OTHER MATTER WHICH MIGHT EFFECT THE WELFARE OF THE MANTECA AREA AND SHALL PERFORM ALL OTHER ACTS AS SET FORTH IN THE ARTICLES OF INCORPORATION OR IN THE BYLAWS. THE CHAMBER SHALL BE A NON-PROFIT, NON-SECTARIAN, AND NON-PARTISAN CORPORATION.

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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 $294,835

Program Service Revenue $0

Investment Income $555

Other Revenue $105

TOTAL REVENUE $295,495

Expense Breakdown

Grants Paid $0

Salaries & Benefits $151,149

Fundraising Expenses $0

Program Expenses $269,605

Other Expenses $118,456

TOTAL EXPENSES $269,605

Year-over-Year Comparison

	2024	2023	Change
Revenue	$295,495	$281,062	+0.1%
Expenses	$269,605	$252,906	+0.1%
Net Income	$25,890	$28,156	-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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Joann Beattie	Director	40.00	Highest	$66,404	$0	$66,404
Crystal Diaz	Assistant	40.00	Director	$0	$0	$0
Nick Obligacion	Board Member	2.00	Director	$0	$0	$0
Christina Keefhaver	Board Member	2.00	Director	$0	$0	$0
Eddie Torres	Board Member	2.00	Director	$0	$0	$0
Gina Rojas	Board Member	2.00	Director	$0	$0	$0
Debbie Baglietto	Secretary	2.00	Director	$0	$0	$0
Shawn Nussbaumer	2nd Vice President	2.00	Director	$0	$0	$0
Steve Jessup	Board Member	2.00	Director	$0	$0	$0
Danielle Bettencourt	President	2.00	Director	$0	$0	$0
Paul Carmona	Vice President	2.00	Director	$0	$0	$0
Tony Montalbo	Board Member	2.00	Director	$0	$0	$0
Jessica Vaughn	Board Member	2.00	Director	$0	$0	$0
Dani Bettencourt	Board Member	2.00	Director	$0	$0	$0
Charlene Sevilla	Board Member	2.00	Director	$0	$0	$0
Nina Payne	Board Member	2.00	Director	$0	$0	$0
Raj Lal	Board Member	2.00	Director	$0	$0	$0
Carol Bradley	Office Staff	20.00	Highest	$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	$295,495	$269,605	$642,280	$25,890
2024	$281,062	$252,906	$377,687	$28,156
2023	$274,401	$240,879	$349,531	$33,522
2022	$200,240	$132,490	$316,009	$67,750
2019	$202,305	$152,696	$178,654	$49,609