MADERA DISTRICT CHAMBER OF COMMERCE (EIN 941719646) - 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

1970

Legal Domicile

Principal Officer

DEBI BRAY

Phone

5596733563

Tax Period

2024-07-01 to 2025-06-30

MADERA DISTRICT CHAMBER OF COMMERCE, founded in 1970, is a small nonprofit that reported $185K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $177K left a modest 4% surplus.

Mission

STAFFED VOLUNTARY ORGANIZATION REPRESENTING ALL SEGMENTS OF THE BUSINESS COMMUNITY FOR THE MARSHALLING OF THE EFFORTS OF OUR MEMBERSHIP FOR A BETTER BUSINESS ENVIRONMENT.

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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 $71,610

Program Service Revenue $54,095

Investment Income $6,583

Other Revenue $52,272

TOTAL REVENUE $184,560

Expense Breakdown

Grants Paid $0

Salaries & Benefits $138,738

Fundraising Expenses $0

Program Expenses $33,575

Other Expenses $38,571

TOTAL EXPENSES $177,309

Year-over-Year Comparison

	2024	2023	Change
Revenue	$184,560	$162,611	+0.1%
Expenses	$177,309	$156,657	+0.1%
Net Income	$7,251	$5,954	+0.2%

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

N/A

Employees

N/A

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
BOBBY GUTIERREZ	DIRECTOR	0.50	Director	$0	$0	$0
LIZ SALAS	DIRECTOR	0.50	Director	$0	$0	$0
BEAU MIRACLE	DIRECTOR	0.50	Director	$0	$0	$0
ERIC GARZA	DIRECTOR	0.50	Director	$0	$0	$0
HARPREET SINGH	DIRECTOR	0.50	Director	$0	$0	$0
JOHN COPLAND	DIRECTOR	0.50	Director	$0	$0	$0
JEFF JACKSON	DIRECTOR	0.50	Director	$0	$0	$0
TOM MITCHELL	CHAIR	2.00	Officer	$0	$0	$0
JOE DOYLAND	1ST VICE CHAIR	2.00	Officer	$0	$0	$0
NADEEM AHMAD	PAST CHAIR	2.00	Officer	$0	$0	$0
LISA GILL	DIRECTOR	2.00	Officer	$0	$0	$0
DEBI BRAY	PRESIDENT/CEO	50.00	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
2025	$184,560	$177,309	$237,898	$7,251
2024	$162,611	$156,657	$230,555	$5,954
2023	$148,077	$152,870	$223,832	$-4,793
2022	$151,584	$137,986	$232,781	$13,598
2021	$363,137	$255,883	$218,898	$107,254
2020	$131,619	$137,197	$106,869	$-5,578
2019	$143,431	$139,775	$112,526	$3,656

MADERA DISTRICT CHAMBER OF COMMERCE