CONCORD 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

1937

Legal Domicile

Principal Officer

KEVIN CABRAL

Phone

9256851181

Tax Period

2024-07-01 to 2025-06-30

CONCORD CHAMBER OF COMMERCE, founded in 1937, is a small nonprofit that reported $512K in total revenue in fiscal year 2024. Revenue surged 24% from the prior year, signaling strong growth momentum. Expenses of $439K left a modest 14% surplus.

Mission

THE CHAMBER IS A VOLUNTARY ORGANIZATION OF BUSINESS PEOPLE WORKING TOGETHER TO IMPROVE THE ECONOMIC AND CIVIC VITALITY OF CONCORD, CALIFORNIA

Program Service Accomplishments

Program 1

THE CHAMBER ANNUALLY SPONSORS A CRAB FEED DINNER FOR THE PUBLIC TO ATTEND. EACH ATTENDEE IS CHARGED FOR THE MEAL. A SILENT AND LIVE AUCTION IS ALSO HELD AT THIS DINNER.

Program 2

THE CHAMBER SPONSORS TRADE SHOWS, NETWORKING EVENTS, AND VARIOUS BREAKFASTS AND DINNERS FOR THE MEMBERS AND THE GENERAL PUBLIC

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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 $54,276

Program Service Revenue $434,515

Investment Income $4,500

Other Revenue $19,141

TOTAL REVENUE $512,432

Expense Breakdown

Grants Paid $3,000

Salaries & Benefits $259,332

Fundraising Expenses $0

Other Expenses $176,194

TOTAL EXPENSES $438,526

Year-over-Year Comparison

	2024	2023	Change
Revenue	$512,432	$414,115	+0.2%
Expenses	$438,526	$433,795	+0.0%
Net Income	$73,906	$-19,680	-4.8%

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

$96,154

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Kevin Cabral	President & CEO	40.00	Officer	$96,154	$0	$96,154
Tim McGallian	Chair of Board	1.00	Director	$0	$0	$0
Luther Daniel	Chair of the Board Elect	1.00	Director	$0	$0	$0
Jenniffer Jimenez	Chair Emeritus	1.00	Director	$0	$0	$0
Wade Cantrell	Executive Committee	1.00	Director	$0	$0	$0
Victoria Briskin	Executive Committee	1.00	Director	$0	$0	$0
Nichol Carranza	Director	1.00	Director	$0	$0	$0
Beth Arman	Director	1.00	Director	$0	$0	$0
Jay Bedecarre	Director	1.00	Director	$0	$0	$0
Dan Cunnigham	Director	1.00	Director	$0	$0	$0
Tamia Brown	Director	1.00	Director	$0	$0	$0
Beth Javens	Director	1.00	Director	$0	$0	$0
Patience Ofodu	Director	1.00	Director	$0	$0	$0
Heather S Fontanilla	Director	1.00	Director	$0	$0	$0
Johana Segura	Director	1.00	Director	$0	$0	$0
Brian Sanders	Director	1.00	Director	$0	$0	$0
Tamara Steiner	Director	1.00	Director	$0	$0	$0
Chelo Gonzalez	Director	1.00	Director	$0	$0	$0
Marie Suvansin	Director	1.00	Director	$0	$0	$0
Kristin Peterson	Director	1.00	Director	$0	$0	$0
Sal Evola	Director	1.00	Director	$0	$0	$0
Sharon Jenkins	Director	1.00	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	$512,432	$438,526	$239,230	$73,906
2024	$414,115	$433,795	$227,296	$-19,680
2023	$413,434	$377,011	$248,632	$36,423
2022	$303,157	$328,957	$209,750	$-25,800
2021	$481,804	$377,985	$237,485	$103,819
2020	$297,522	$310,714	$229,531	$-13,192
2019	$327,761	$336,949	$147,387	$-9,188
2018	$377,553	$320,331	$153,078	$57,222