CORTE MADERA 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

1964

Legal Domicile

Principal Officer

Julie Kritzberger

Phone

4159240441

Tax Period

2023-01-01 to 2023-12-31

CORTE MADERA CHAMBER OF COMMERCE, founded in 1964, is a small nonprofit that reported $216K in total revenue in fiscal year 2023. Expenses of $248K exceeded revenue, resulting in a 15% operating deficit.

Mission

TO ADVANCE THE COMMERCIAL, INDUSTRIAL, CIVIC AND GENERAL WELFARE OF THE TOWN OF CORTE MADERA AND ITS TRADE AREA

Program Service Accomplishments

Program 1

Expenses: $46,081 Revenue: $14,170

FOURTH OF JULY EVENT IN TOWN OF CORTE MADERA

Program 2

Expenses: $14,174 Revenue: $22,641

GOLF TOURNAMENT-CORTE MADERA

Program 3

Expenses: $2,196 Revenue: $1,093

LUNCHEONS, AUCTIONS, AND MIXER EVENTS

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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 $177,510

Program Service Revenue $37,904

Investment Income $751

Other Revenue $0

TOTAL REVENUE $216,165

Expense Breakdown

Grants Paid $0

Salaries & Benefits $146,599

Fundraising Expenses $0

Program Expenses $62,451

Other Expenses $101,145

TOTAL EXPENSES $247,744

Year-over-Year Comparison

	2023	2022	Change
Revenue	$216,165	$225,736	0.0%
Expenses	$247,744	$233,398	+0.1%
Net Income	$-31,579	$-7,662	+3.1%

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

N/A

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

$104,702

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BILL BLACKBURN	DIRECTOR	0.50	Director	$0	$0	$0
CHRISTINE BOHLKE	DIRECTOR	0.50	Director	$0	$0	$0
STAN HOFFMAN	DIRECTOR	0.50	Director	$0	$0	$0
MARGARET DEEDY	DIRECTOR	0.50	Director	$0	$0	$0
ROD EDINGTON	DIRECTOR	0.50	Director	$0	$0	$0
DR RICHARD KLUSSMAN	DIRECTOR	0.50	Director	$0	$0	$0
PAIGE ZEIGLER	DIRECTOR	0.50	Director	$0	$0	$0
PATRICIA CONWELL	DIRECTOR	0.50	Director	$0	$0	$0
TOM MALVINO	DIRECTOR	0.50	Director	$0	$0	$0
JIM GREENE	DIRECTOR	0.50	Director	$0	$0	$0
CHARLES LEE	TOWN COUNCIL LIASON	0.50	Director	$0	$0	$0
ADAM WIATRAK	PRESIDENT	4.00	Officer	$0	$0	$0
CINDY REINHART	VICE PRESIDENT	0.50	Officer	$0	$0	$0
CARLA CONDON	SECRETARY	0.50	Officer	$0	$0	$0
GARY STYMUS	TREASURER	0.50	Officer	$0	$0	$0
JULIE KRITZBERGER	EXECUTIVE DIRECTOR	40.00	Officer	$104,702	$0	$104,702

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	$216,165	$247,744	$136,290	$-31,579
2022	$225,736	$233,398	$160,665	$-7,662
2021	$133,166	$154,489	$172,409	$-21,323
2020	$125,869	$194,622	$193,732	$-68,753
2019	$223,571	$250,315	$262,485	$-26,744
2018	$275,010	$239,208	$289,229	$35,802