DOWNTOWN CHICO BUSINESS ASSOCIATION

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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

1975

Legal Domicile

Phone

5303456500

Tax Period

2025-01-01 to 2025-12-31

DOWNTOWN CHICO BUSINESS ASSOCIATION, founded in 1975, is a small nonprofit in the Community Improvement sector that reported $451K in total revenue in fiscal year 2025. Expenses of $414K left a modest 8% surplus.

Mission

PROMOTE INTEREST AND TRADE AND BEAUTIFY THE DOWNTOWN BUSINESS ENVIRONMENT.

Program Service Accomplishments

Program 1

Expenses: $414,321

PROMOTE INTEREST AND TRADE AND BEAUTIFY THE DOWNTOWN 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 (2025)

Revenue Breakdown

Contributions & Grants $105,538

Program Service Revenue $345,928

Investment Income $0

Other Revenue $0

TOTAL REVENUE $451,466

Expense Breakdown

Grants Paid $0

Salaries & Benefits $175,971

Fundraising Expenses $0

Program Expenses $414,321

Other Expenses $238,350

TOTAL EXPENSES $414,321

Year-over-Year Comparison

	2025	2024	Change
Revenue	$451,466	$441,181	+0.0%
Expenses	$414,321	$395,991	+0.0%
Net Income	$37,145	$45,190	-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

300

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
THOMAS HIGHTOWER	Director	1.00	Director	$0	$0	$0
MEGAN KURTZ	Vice President	1.00	Officer Director	$0	$0	$0
LINDA ZORN	Vice President	1.00	Officer Director	$0	$0	$0
IAN MACMILLAN	Treasurer	1.00	Officer Director	$0	$0	$0
MARY HARTLEY	Pres./Secretary	1.00	Officer Director	$0	$0	$0
DAVID SELKIRK	Director	1.00	Director	$0	$0	$0
NICOLE HILL	Director	1.00	Director	$0	$0	$0
ANIKA BURKE	Director	1.00	Director	$0	$0	$0
PAT MACIAS	Director	1.00	Director	$0	$0	$0
STEVE STULL	Director	1.00	Director	$0	$0	$0
JENNIFER ELLINGSON	Director	1.00	Director	$0	$0	$0
SHARI ANDERSON	Director	1.00	Director	$0	$0	$0
NICHOLE FARLEY	Director	1.00	Director	$0	$0	$0
VAL REDDEMANN	Director	1.00	Director	$0	$0	$0
MITCH KIDDER	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
2025	$451,466	$414,321	$125,047	$37,145
2024	$441,181	$395,991	$74,538	$45,190
2023	$500,899	$634,303	$76,393	$-133,404
2022	$527,910	$351,690	$208,545	$176,220
2021	$212,330	$287,662	$34,958	$-75,332
2020	$200,839	$271,982	$97,893	$-71,143
2019	$377,985	$390,827	$35,997	$-12,842
2018	$356,194	$359,850	$25,352	$-3,656