PACIFICA 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

1958

Legal Domicile

Principal Officer

ARCHIE JUDAN

Phone

6503554122

Tax Period

2024-01-01 to 2024-12-31

PACIFICA CHAMBER OF COMMERCE, founded in 1958, is a micro nonprofit that reported $76K in total revenue in fiscal year 2024. Revenue fell 40% from the prior year — a significant decline worth monitoring. Expenses of $128K exceeded revenue, resulting in a 69% operating deficit.

Mission

THE PACIFICA CHAMBER OF COMMERCE IS A PARTNERSHIP OF BUSINESS PROFESSIONALS WHO ARE COMMITTED TO PROMOTING AND SUPPORTING LOCAL BUSINESSES IN ORDER TO CREATE A HEALTHY AND VITAL ECONOMY FOR OUR COMMUNITY. OUR GOAL IS TO STIMULATE AND STRENGTHEN A SUSTAINABLE SOCIO-ECONOMIC CLIMATE, WHICH INCREASES THE SUCCESS AND VISIBILITY OF OUR CHAMBER MEMBERS.

Program Service Accomplishments

Program 1

Expenses: $49,535 Revenue: $24,123

BUSINESS DIRECTORY & MAP PRODUCE AND DISTRIBUTE A BUSINESS LISTING DIRECTORY AND MAP TO RESIDENTS OF PACIFICA. THIS PROVIDES PROMOTIONAL OPPORTUNITIES FOR MEMBER BUSINESSES TO HIGHLIGHT THEIR...

BUSINESS DIRECTORY & MAP PRODUCE AND DISTRIBUTE A BUSINESS LISTING DIRECTORY AND MAP TO RESIDENTS OF PACIFICA. THIS PROVIDES PROMOTIONAL OPPORTUNITIES FOR MEMBER BUSINESSES TO HIGHLIGHT THEIR BUSINESSES IN THE ANNUAL BUSINESS AND COMMUNITY DIRECTORY AND/OR MAP.

Program 2

Expenses: $20,078 Revenue: $1,392

MEMBERSHIP EVENTS & BENEFITS PROVIDE EDUCATIONAL AND NETWORKING OPPORTUNITIES FOR MEMBERS BY SHARING RELEVENT RESOURCES. AN ANNUAL AWARDS CEREMONY IS HELD TO RECOGNIZE OUTSTANDING BUSINESSES...

MEMBERSHIP EVENTS & BENEFITS PROVIDE EDUCATIONAL AND NETWORKING OPPORTUNITIES FOR MEMBERS BY SHARING RELEVENT RESOURCES. AN ANNUAL AWARDS CEREMONY IS HELD TO RECOGNIZE OUTSTANDING BUSINESSES, INDIVIDUALS AND COMMUNITY GROUPS. THE CHAMBER OF COMMERCE ALSO HOSTS OCCASIONAL "OPEN HOUSES" TO EDUCATE THE MEMBERSHIP ON VARIOUS TOPICS AND AN ANNUAL GATHERING TO CELEBRATE THE HOLIDAY SEASON. OTHER MEMBERSHIP BENEFITS INCLUDE A FREE LISTING IN THE BUSINESS AND COMMUNITY DIRECTORY, A FREE LISTING ON THE CHAMBER'S IPACIFICA APP, A DEDICATED SPACE ON THE CHAMBER'S WEBSITE FOR OUTREACH AND PROMOTION, AND RIBBON CUTTINGS TO CELEBRATE NEW BUSINESSES AND BUSINESS MILESTONES.

Program 3

Expenses: $14,620 Revenue: $2,115

COMMUNITY EVENTS & VISITOR CENTER THE PACIFICA CHAMBER OF COMMERCE HOSTS COMMUNITY EVENTS, INCLUDING THE HOLIDAY TREE LIGHTING CEREMONY. VISITORS AND RESIDENTS CAN OBTAIN VARIOUS MAPS AND INFORMATION...

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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 $27,876

Program Service Revenue $27,630

Investment Income $3

Other Revenue $20,139

TOTAL REVENUE $75,648

Expense Breakdown

Grants Paid $0

Salaries & Benefits $15,642

Fundraising Expenses $0

Program Expenses $84,233

Other Expenses $111,893

TOTAL EXPENSES $127,535

Year-over-Year Comparison

	2024	2023	Change
Revenue	$75,648	$125,530	-0.4%
Expenses	$127,535	$114,464	+0.1%
Net Income	$-51,887	$11,066	-5.7%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
ARCHIE JUDAN	DIRECTOR	10.00	Officer Director	$0	$0	$0
LYNN GALLO	SECRETARY	10.00	Officer Director	$0	$0	$0
KATHLEEN TULLIUS	TREASURER	5.00	Officer 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
2024	$75,648	$127,535	$35,537	$-51,887
2023	$125,530	$114,464	$87,560	$11,066
2022	$175,050	$161,229	$96,589	$13,821
2021	$142,337	$127,569	$82,768	$14,768
2020	$165,603	$172,043	$66,300	$-6,440
2019	$186,029	$169,687	$72,740	$16,342
2018	$205,532	$218,413	$56,425	$-12,881