FREMONT CHAMBER OF COMMERCE (EIN 941342798) - 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

1956

Legal Domicile

Principal Officer

Cindy Bonior

Phone

5107952244

Tax Period

2024-04-01 to 2025-03-31

FREMONT CHAMBER OF COMMERCE, founded in 1956, is a small nonprofit that reported $910K in total revenue in fiscal year 2024. Revenue decreased 8% compared to the prior year.

Mission

TO PROMOTE & FURTHER THE GENERAL WELFARE & PROSPERITY OF ALL THE VARIED INTERESTS OF THE COMMUNITY.

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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 $19,854

Program Service Revenue $363,558

Investment Income $-1,898

Other Revenue $528,690

TOTAL REVENUE $910,204

Expense Breakdown

Grants Paid $0

Salaries & Benefits $263,013

Fundraising Expenses $0

Program Expenses $629,712

Other Expenses $667,033

TOTAL EXPENSES $930,046

Year-over-Year Comparison

	2024	2023	Change
Revenue	$910,204	$991,596	-0.1%
Expenses	$930,046	$1,186,233	-0.2%
Net Income	$-19,842	$-194,637	-0.9%

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

$118,888

Total Directors

$118,888

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CINDY BONIOR	CEO	40.0	Officer Director	$118,888	$0	$118,888
FRANK BETTAG	DIRECTOR	2.0	Director	$0	$0	$0
Joyti Gill	DIRECTOR	2.0	Director	$0	$0	$0
Yvonne Tripp	OFFICER	2.0	Director	$0	$0	$0
Angus Cochrane	DIRECTOR	2.0	Director	$0	$0	$0
Beth Wong	DIRECTOR	2.0	Director	$0	$0	$0
Betty Ho	DIRECTOR	2.0	Director	$0	$0	$0
Christian Pellecchia	DIRECTOR	2.0	Director	$0	$0	$0
Cyndy Mozzetti	DIRECTOR	2.0	Director	$0	$0	$0
Jennie Olyaie	DIRECTOR	2.0	Director	$0	$0	$0
Ken Ariathurai	DIRECTOR	2.0	Director	$0	$0	$0
DIRK LORENZ	OFFICER	2.0	Officer	$0	$0	$0
Sam Forbes	PAST CHAIR	2.0	Officer	$0	$0	$0
JASMINE BASRAI	PAST CHAIR	2.0	Officer	$0	$0	$0
Abdul Taeb	OFFICER	2.0	Officer	$0	$0	$0
Jospeh Pritchard	CHAIR ELECT	2.0	Officer	$0	$0	$0
Brian Boddy	OFFICER	2.0	Officer	$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	$910,204	$930,046	$209,905	$-19,842
2024	$991,596	$1,186,233	$182,778	$-194,637
2023	$965,935	$1,130,683	$236,771	$-164,748
2022	$405,043	$598,730	$381,491	$-193,687
2021	$262,252	$506,905	$266,230	$-244,653
2020	$1,014,187	$1,013,497	$295,915	$690
2018	$1,023,697	$993,343	$346,904	$30,354

FREMONT CHAMBER OF COMMERCE