HALF MOON BAY CHAMBER OF COMMERCE (EIN 942663203) - 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

1963

Legal Domicile

Principal Officer

KRYSTLYN GIEDT

Phone

6507268380

Tax Period

2023-01-01 to 2023-12-31

HALF MOON BAY CHAMBER OF COMMERCE, founded in 1963, is a small nonprofit that reported $233K in total revenue in fiscal year 2023. Expenses of $213K left a modest 9% surplus.

Mission

WE ARE A COMMUNITY-FOCUSED ORGANIZATION DEDICATED TO SUPPORTING THE COASTSIDE BUSINESS COMMUNITY. STARTED IN THE 1960S TO ADVOCATE ON BEHALF OF AGRICULTURE, WE HAVE STEADILY GROWN TO SUPPORT ALL OF THE DIFFERENT INDUSTRIES FOUND ON THE COASTSIDE. EVERY BUSINESS, EVERY ENTREPRENEUR, AND EVERY EMPLOYEE IS VITAL TO A THRIVING COMMUNITY. WE APPRECIATE EVERYONE WHO SUPPORTS OUR MISSION FOR BUSINESS DEVELOPMENT, ECONOMIC RECOVERY, AND WORKFORCE SUPPORT.

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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 $10,110

Program Service Revenue $133,588

Investment Income $0

Other Revenue $89,409

TOTAL REVENUE $233,107

Expense Breakdown

Grants Paid $0

Salaries & Benefits $117,876

Fundraising Expenses $1,530

Program Expenses $1,662

Other Expenses $95,034

TOTAL EXPENSES $212,910

Year-over-Year Comparison

	2023	2022	Change
Revenue	$233,107	$231,598	+0.0%
Expenses	$212,910	$221,515	0.0%
Net Income	$20,197	$10,083	+1.0%

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
KAELIEGH CARRIER	DIRECTOR	10.00	Director	$0	$0	$0
KIRSTEN HAGEN	DIRECTOR	10.00	Director	$0	$0	$0
RITA MANCERA	SECRETARY	10.00	Officer Director	$0	$0	$0
CHRIS MICKELSEN	DIRECTOR	10.00	Director	$0	$0	$0
JEANENNE MINNIX-KINGSTON	CHAIRPERSON	10.00	Officer Director	$0	$0	$0
STEPHANIE PETERS	DIRECTOR	10.00	Director	$0	$0	$0
NATE SERDY	CFO	10.00	Officer Director	$0	$0	$0
BRIAN SHEPPARD	VICE CHAIR	10.00	Officer Director	$0	$0	$0
ADAM UNDERWOOD	DIRECTOR	10.00	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	$233,107	$212,910	$71,399	$20,197
2022	$231,598	$221,515	$99,636	$10,083
2021	$167,969	$216,133	$75,599	$-48,164
2020	$187,747	$294,537	$148,802	$-106,790
2019	$368,288	$423,021	$103,464	$-54,733
2018	$355,821	$351,761	$134,005	$4,060

HALF MOON BAY CHAMBER OF COMMERCE