RIPON CHAMBER OF COMMERCE (EIN 942322841) - 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

1923

Legal Domicile

Principal Officer

SUSAN GREEN

Phone

2095997519

Tax Period

2023-07-01 to 2024-06-30

RIPON CHAMBER OF COMMERCE, founded in 1923, is a small nonprofit in the Community Improvement sector that reported $368K in total revenue in fiscal year 2023. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $313K left a modest 15% surplus.

Mission

TO PROMOTE, SUPPORT, AND ENHANCE BUSINESS IN THE CITY OF RIPON AND TO ATTRACT BUSINESSES TO RIPON. TO PROVIDE INFORMATION ON THE CITY TO VISITORS AND THOSE INTERESTED IN RELOCATING TO RIPON.

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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 $17,500

Program Service Revenue $341,342

Investment Income $7,693

Other Revenue $1,500

TOTAL REVENUE $368,035

Expense Breakdown

Grants Paid $0

Salaries & Benefits $139,106

Fundraising Expenses $0

Other Expenses $174,267

TOTAL EXPENSES $313,373

Year-over-Year Comparison

	2023	2022	Change
Revenue	$368,035	$332,907	+0.1%
Expenses	$313,373	$273,502	+0.1%
Net Income	$54,662	$59,405	-0.1%

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
CARLOS BLANCO	BOARD MEMBER	0.50	Director	$0	$0	$0
CHAD DEGRAFF	TREASURER	1.00	Officer Director	$0	$0	$0
SUSAN GREEN	PRESIDENT	1.00	Officer Director	$0	$0	$0
HEATHER HERNANDEZ	BOARD MEMBER	0.50	Director	$0	$0	$0
ED MULDER	BOARD MEMBER	0.50	Director	$0	$0	$0
JAN NOWAK	BOARD MEMBER	0.50	Director	$0	$0	$0
EMILY PARKER	BOARD MEMBER	0.50	Director	$0	$0	$0
DANIELLE PIERCE	SECRETARY	1.00	Officer Director	$0	$0	$0
CARRIE SWEET	BOARD MEMBER	0.50	Director	$0	$0	$0
KYNDRA WILSON	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
LEO ZUBER	BOARD MEMBER	0.50	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	No data	No data	No data	No data
2024	$368,035	$313,373	$342,461	$54,662
2023	$332,907	$273,502	$287,799	$59,405
2022	$410,162	$258,343	$228,402	$151,819
2021	$118,302	$172,810	$93,968	$-54,508
2020	$290,376	$238,711	$131,083	$51,665
2019	$273,846	$276,483	$79,608	$-2,637

RIPON CHAMBER OF COMMERCE