SCOTTS VALLEY 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

1957

Legal Domicile

Principal Officer

PHIL NEUMAN

Phone

8314381010

Tax Period

2023-01-01 to 2023-12-31

SCOTTS VALLEY CHAMBER OF COMMERCE, founded in 1957, is a small nonprofit that reported $181K in total revenue in fiscal year 2023. Expenses of $165K left a modest 9% surplus.

Mission

TO SUPPORT BUSINESS ACTIVITIES AND RELATIONSHIPS WITHIN THE CITY OF SCOTTS VALLEY AND ITS SURROUNDING AREA.

Program Service Accomplishments

Program 1

TO FURTHER ITS MISSION, THE CHAMBER CONSISTS OF OVER 250 MEMBERS FROM THE SCOTTS VALLEY AREA.

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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 $59,518

Program Service Revenue $50

Investment Income $0

Other Revenue $121,783

TOTAL REVENUE $181,351

Expense Breakdown

Grants Paid $0

Salaries & Benefits $123,174

Fundraising Expenses $0

Other Expenses $41,590

TOTAL EXPENSES $164,764

Year-over-Year Comparison

	2023	2022	Change
Revenue	$181,351	$171,859	+0.1%
Expenses	$164,764	$160,851	+0.0%
Net Income	$16,587	$11,008	+0.5%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
PHIL NEUMAN	PRESIDENT	2.00	Officer Director	$0	$0	$0
VICTOR ALEJANDRO	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
NICK KURNS	TREASURER	1.00	Officer Director	$0	$0	$0
KEIRA MULDER	SECRETARY	1.00	Officer Director	$0	$0	$0
JOANNE GUZMAN	DIRECTOR	1.00	Director	$0	$0	$0
BRANDI PALMER	DIRECTOR	1.00	Director	$0	$0	$0
KIM PURSLEY	DIRECTOR	1.00	Director	$0	$0	$0
JEANETTE LARKIN	DIRECTOR	1.00	Director	$0	$0	$0
JEANNE SHADA	DIRECTOR	1.00	Director	$0	$0	$0
CHERYL REBOTTARO	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN O'CONNOR FRASER	DIRECTOR	1.00	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	No data	No data	No data	No data
2023	$181,351	$164,764	$110,090	$16,587
2022	$171,859	$160,851	$91,165	$11,008
2021	$170,374	$174,469	$80,654	$-4,095
2020	$143,793	$155,330	$84,369	$-11,537
2019	$143,449	$147,502	$96,879	$-4,053
2018	$174,167	$147,342	$100,634	$26,825