CASTRO VALLEY CHAMBER OF COMMERCE INC (EIN 941321044) - 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

1937

Legal Domicile

Principal Officer

Janella Anguiano

Phone

5105375300

Tax Period

2025-01-01 to 2025-12-31

CASTRO VALLEY CHAMBER OF COMMERCE INC, founded in 1937, is a small nonprofit that reported $487K in total revenue in fiscal year 2025. Expenses of $467K left a modest 4% surplus.

Mission

The mission of the Castro Valley Eden Area Chamber of Commerce is to lead the community toward sustainable economic growth, advocate for a pro-business climate for members, honor the area's historical foundations and future promise, and establish, advocate, and execute the community's economic vision.

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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 (2025)

Revenue Breakdown

Contributions & Grants $375,820

Program Service Revenue $92,741

Investment Income $18,056

Other Revenue $0

TOTAL REVENUE $486,617

Expense Breakdown

Grants Paid $0

Salaries & Benefits $292,763

Fundraising Expenses $0

Program Expenses $0

Other Expenses $173,928

TOTAL EXPENSES $466,691

Year-over-Year Comparison

	2025	2024	Change
Revenue	$486,617	$463,195	+0.1%
Expenses	$466,691	$406,033	+0.1%
Net Income	$19,926	$57,162	-0.7%

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

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

$205,792

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Janella Anguiano	Board Chair	6.00	Officer	$0	$0	$0
Lynda Foster	Vice Chair	6.00	Officer	$0	$0	$0
Todd Anglin	Past Board Chair	6.00	Officer	$0	$0	$0
Gary Howard	Board Chair Elect	6.00	Officer	$0	$0	$0
Kristin Perrault	Co-Secretary	4.00	Officer	$0	$0	$0
Susan McCue	Co-Secretary	4.00	Officer	$0	$0	$0
Anita Kit Thompson	Treasurer	6.00	Officer	$0	$0	$0
Herman Yang	Director	3.00	Officer Director	$0	$0	$0
Maggie Castillo	Director	3.00	Director	$0	$0	$0
Scott Faust	Director	3.00	Director	$0	$0	$0
Aisha Knowles	Director	3.00	Director	$0	$0	$0
Tracy Bonal	Director	3.00	Director	$0	$0	$0
Ruben Pola	Director	3.00	Director	$0	$0	$0
Shannon Thomas	Director	3.00	Director	$0	$0	$0
Ye Ye	Director	3.00	Director	$0	$0	$0
Kyle Garcia	Director	3.00	Director	$0	$0	$0
Monica Gioukaris	Director	3.00	Director	$0	$0	$0
David Wilhite	Director	3.00	Director	$0	$0	$0
Norma Guardado	Director	3.00	Director	$0	$0	$0
Murphy McCalley	Director	3.00	Director	$0	$0	$0
Ralph Johnson	Director	3.00	Director	$0	$0	$0
Andi Hangea	Director	3.00	Director	$0	$0	$0
Alyssa Kiefer	Billing	2.00	Key Emp	$1,840	$0	$1,840
Gary Slate	President & CEO	50.00	Key Emp	$132,110	$0	$132,110
Josephine Taylor	Newsletter	3.00	Key Emp	$2,252	$0	$2,252
Natalie Castle	Admin	20.00	Key Emp	$18,269	$0	$18,269
Vana Raju	Membership	15.00	Key Emp	$11,607	$0	$11,607
Sandy Martinez	Marketing	40.00	Key Emp	$39,714	$0	$39,714

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	$486,617	$466,691	$512,522	$19,926
2024	No data	No data	No data	No data
2023	$506,921	$326,343	$442,497	$180,578
2022	$399,104	$172,611	$261,180	$226,493
2021	$111,509	$46,552	$96,603	$64,957
2020	$186,579	$175,764	$63,384	$10,815
2019	$213,366	$244,685	$68,275	$-31,319
2018	$289,139	$264,055	$21,122	$25,084

CASTRO VALLEY CHAMBER OF COMMERCE INC