Carmichael Chamber of Commerce (EIN 941227126) - 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

1948

Legal Domicile

Phone

9164811002

Tax Period

2024-01-01 to 2024-12-31

Carmichael Chamber of Commerce, founded in 1948, is a small nonprofit that reported $129K in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $30K, a strong 23% operating margin.

Mission

To connect Carmichael businesses and their owners with the community in support of forming a more prosperous region.

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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 $49,228

Program Service Revenue $68,806

Investment Income $0

Other Revenue $10,577

TOTAL REVENUE $128,611

Expense Breakdown

Grants Paid $16,613

Salaries & Benefits $42

Fundraising Expenses $0

Program Expenses $59,382

Other Expenses $82,015

TOTAL EXPENSES $98,670

Year-over-Year Comparison

	2024	2023	Change
Revenue	$128,611	$99,700	+0.3%
Expenses	$98,670	$146,920	-0.3%
Net Income	$29,941	$-47,220	-1.6%

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

N/A

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Izzy Delancy	Board Member	1.50	Director	$0	$0	$0
Dale Lorzo	Board Member	1.50	Director	$0	$0	$0
Kerri Mandes	Board Member	1.50	Director	$0	$0	$0
Tony Myers	Board Member	1.50	Director	$0	$0	$0
Miranda Viani	Honorary Mayor	3.00	Director	$0	$0	$0
Alex Rachal	Board Member	1.00	Director	$0	$0	$0
Shelby Glass	Board Member	1.00	Director	$0	$0	$0
Rosie Buck	President	10.00	Officer Director	$0	$0	$0
Bill Bowen	Vice President	3.00	Officer Director	$0	$0	$0
Brad Sanborn	Treasurer	6.00	Officer Director	$0	$0	$0
Dignity Health	Board Member	0.00		$0	$0	$0
Susan SattiSMUD	Board Member	1.00		$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	$128,611	$98,670	$60,209	$29,941
2023	$99,700	$146,920	$30,268	$-47,220
2022	$169,265	$127,988	$99,639	$41,277

Carmichael Chamber of Commerce