LOS BANOS CHAMBER OF COMMERCE (EIN 941586786) - 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

1954

Legal Domicile

Tax Period

2023-01-01 to 2023-12-31

LOS BANOS CHAMBER OF COMMERCE, founded in 1954, is a small nonprofit that reported $166K in total revenue in fiscal year 2023. Expenses of $144K left a modest 13% surplus.

Mission

BUSINESS LEAGUE - PROMOTION OF BUSINESS IN LOS BANOS

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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 $163,911

Program Service Revenue $1,586

Investment Income $5

Other Revenue $0

TOTAL REVENUE $165,502

Expense Breakdown

Grants Paid $0

Salaries & Benefits $53,971

Fundraising Expenses $0

Program Expenses $67,182

Other Expenses $89,589

TOTAL EXPENSES $143,560

Year-over-Year Comparison

	2023	2022	Change
Revenue	$165,502	$165,502	N/A
Expenses	$143,560	$143,336	+0.0%
Net Income	$21,942	$22,166	0.0%

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

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

$49,237

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MICHELLE SANDOVAL	EXECUTIVE DIRECTOR	40.00	Key Emp	$49,237	$0	$49,237
TONY WHITEHURST	DIRECTOR	2.00	Director	$0	$0	$0
JERRY KNOESTER	DIRECTOR	2.00	Director	$0	$0	$0
TOM KALJIAN	DIRECTOR	1.00	Director	$0	$0	$0
ROY TODD	DIRECTOR	1.00	Director	$0	$0	$0
ROBERT SHERWOOD	DIRECTOR	1.00	Director	$0	$0	$0
GENE LEIB	DIRECTOR	1.00	Director	$0	$0	$0
CATRINA JOHNSON	2ND VICE PRESIDENT	2.00	Officer	$0	$0	$0
MARIO PENA	1ST VICE PRESIDENT	2.00	Officer	$0	$0	$0
SHANNON RIVERA	PRESIDENT	2.00	Officer	$0	$0	$0
KALID SANCHEZ	SECRETARY	2.00	Officer	$0	$0	$0
RICHARD MARTORELLO	TREASURER	5.50	Officer	$0	$0	$0
SCOTT WOODS	3RD VICE PRESIDENT	2.00	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
2024	No data	No data	No data	No data
2023	$165,502	$143,560	$49,736	$21,942
2022	$97,136	$100,244	$25,882	$-3,108
2021	$119,469	$128,944	$29,086	$-9,475
2020	$99,816	$103,938	$42,064	$-4,122

LOS BANOS CHAMBER OF COMMERCE