Cambria Chamber of Commerce (EIN 950600109) - 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

1945

Legal Domicile

Phone

8059273624

Tax Period

2024-01-01 to 2024-12-31

Cambria Chamber of Commerce, founded in 1945, is a small nonprofit that reported $127K in total revenue in fiscal year 2024. Revenue decreased 11% compared to the prior year. Expenses of $148K exceeded revenue, resulting in a 16% operating deficit.

Mission

THE CAMBRIA CHAMBER OF COMMERCE IS ORGANIZED TO ADVANCE THE GENERAL WELFARE AND PROSPERITY OF AND TO ENCOURAGE TOURISM AND COMMERCE TO THE CAMBRIA AREA SO THAT ITS CITIZENS AND ALL AREAS OF ITS BUSINESS COMMUNITY SHALL PROSPER.

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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 (2024)

Revenue Breakdown

Contributions & Grants $4,384

Program Service Revenue $109,242

Investment Income $329

Other Revenue $12,775

TOTAL REVENUE $126,730

Expense Breakdown

Grants Paid $0

Salaries & Benefits $50,431

Fundraising Expenses $19,898

Program Expenses $96,218

Other Expenses $97,112

TOTAL EXPENSES $147,543

Year-over-Year Comparison

	2024	2023	Change
Revenue	$126,730	$141,650	-0.1%
Expenses	$147,543	$117,200	+0.3%
Net Income	$-20,813	$24,450	-1.9%

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

$34,188

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
LORIENNE SCHWENK	Executive Dir.	40.00	Director	$34,188	$0	$34,188
JULI AMODEI	Director	10.00	Director	$0	$0	$0
REBECCA BISKADUROS	Director	6.00	Director	$0	$0	$0
GAYLE JENKINS	Director	6.00	Director	$0	$0	$0
STEVE KNIFFEN	President	6.00	Officer	$0	$0	$0
MELISSA AVINA	Vice President	4.00	Officer	$0	$0	$0
DIANNE GREENSTEIN	Treasurer	4.00	Officer	$0	$0	$0
MAIRA ARELLANO	Secretary	5.00	Officer	$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	$126,730	$147,543	$97,830	$-20,813
2023	$141,650	$117,200	$119,296	$24,450
2022	$99,900	$93,009	$94,705	$6,891
2021	$133,977	$98,016	$87,703	$35,961
2020	$83,530	$118,085	$51,817	$-34,555
2019	$133,676	$124,709	$87,204	$8,967
2018	$137,973	$163,779	$76,934	$-25,806

Cambria Chamber of Commerce