NOVATO CHAMBER OF COMMERCE (EIN 941179438) - 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

Principal Officer

COREE CAMERON

Phone

4158971164

Tax Period

2023-01-01 to 2023-12-31

NOVATO CHAMBER OF COMMERCE is a small nonprofit that reported $569K in total revenue in fiscal year 2023. Expenses of $541K left a modest 5% surplus.

Mission

THE NOVATO CHAMBER OF COMMERCE PROMOTES CIVIC AND COMMERCIAL ACTIVITIES AND ECONOMIC DEVELOPMENT.

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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 (2023)

Revenue Breakdown

Contributions & Grants $3,755

Program Service Revenue $430,483

Investment Income $6,718

Other Revenue $128,515

TOTAL REVENUE $569,471

Expense Breakdown

Grants Paid $0

Salaries & Benefits $218,122

Fundraising Expenses $0

Other Expenses $322,994

TOTAL EXPENSES $541,116

Year-over-Year Comparison

	2023	2022	Change
Revenue	$569,471	$529,874	+0.1%
Expenses	$541,116	$508,851	+0.1%
Net Income	$28,355	$21,023	+0.3%

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

100

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

$110,814

Total Directors

$110,814

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
COY SMITH	CEO	40.00	Officer Director	$110,814	$0	$110,814
COREE CAMERON	PRESIDENT	N/A	Officer Director	$0	$0	$0
SETH SHORETT	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
JODI FISCHER	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
BETSY RICKETTS	VICE PRESIDE	N/A	Officer Director	$0	$0	$0
MARY JANNISSE	TREASURER	N/A	Officer Director	$0	$0	$0
MICHAEL JACKSON	DIRECTOR	N/A	Director	$0	$0	$0
TAMARA HULL	DIRECTOR	N/A	Director	$0	$0	$0
STACEY BECKHARDT	DIRECTOR	N/A	Director	$0	$0	$0
SHERRI JACOBS	DIRECTOR	N/A	Director	$0	$0	$0
KYLE MASTROPOLE	DIRECTOR	N/A	Director	$0	$0	$0
AJ VAZQUEZ	DIRECTOR	N/A	Director	$0	$0	$0
HOMA RASSOULI	DIRECTOR	N/A	Director	$0	$0	$0
TOM YOUNG	DIRECTOR	N/A	Director	$0	$0	$0
JIM TUBRIDY	DIRECTOR	N/A	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
2024	No data	No data	No data	No data
2023	$569,471	$541,116	$412,954	$28,355
2022	$529,874	$508,851	$465,311	$21,023
2021	$482,842	$372,542	$310,136	$110,300
2020	$339,589	$460,708	$346,783	$-121,119
2019	$547,737	$597,996	$262,778	$-50,259
2018	$569,853	$551,078	$299,923	$18,775

NOVATO CHAMBER OF COMMERCE