IMPERIAL VALLEY REGIONAL CHAMBER OF COMMERCE (EIN 950706200) - 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

1933

Legal Domicile

Principal Officer

VICKI ZAMORA

Phone

7603527413

Tax Period

2024-07-01 to 2025-06-30

IMPERIAL VALLEY REGIONAL CHAMBER OF COMMERCE, founded in 1933, is a small nonprofit that reported $275K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $250K left a modest 9% surplus.

Mission

INFORMATION BUREAU

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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 $184,259

Program Service Revenue $6,285

Investment Income $116

Other Revenue $84,568

TOTAL REVENUE $275,228

Expense Breakdown

Grants Paid $0

Salaries & Benefits $132,258

Fundraising Expenses $0

Other Expenses $117,303

TOTAL EXPENSES $249,561

Year-over-Year Comparison

	2024	2023	Change
Revenue	$275,228	$252,851	+0.1%
Expenses	$249,561	$239,317	+0.0%
Net Income	$25,667	$13,534	+0.9%

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Sher Cowie	President	1.00	Officer Director	$0	$0	$0
Michelle Hollinger	Treasurer	1.00	Officer Director	$0	$0	$0
Sean Wilcock	Secretary	1.00	Officer Director	$0	$0	$0
Victor Nava	VICE PRESIDENT	1.00	Officer Director	$0	$0	$0
Juanita Rebollar	Director at Large	1.00	Officer Director	$0	$0	$0
Vicki Garcia	Board Members	1.00	Director	$0	$0	$0
Terri Rogers	Board Members	1.00	Director	$0	$0	$0
ELIZABETH ESPINOZA	Board Members	1.00	Director	$0	$0	$0
Mark Gran	Board Members	1.00	Director	$0	$0	$0
NANCY SALCEDO	Board Members	1.00	Director	$0	$0	$0
AUDREY CAMACHO	Board Member	1.00	Director	$0	$0	$0
VIRIDIANA ROSALESTRUJILLO	BOARD MEMBER	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	$275,228	$249,561	$319,588	$25,667
2024	$252,851	$239,317	$293,771	$13,534
2023	$264,780	$226,971	$280,237	$37,809
2022	$249,020	$296,388	$242,428	$-47,368
2022	$252,505	$306,698	$242,428	$-54,193
2021	$251,218	$256,235	$289,796	$-5,017
2020	$222,129	$250,517	$328,883	$-28,388
2019	$216,276	$236,344	$326,951	$-20,068
2018	$282,642	$322,648	$356,919	$-40,006

IMPERIAL VALLEY REGIONAL CHAMBER OF COMMERCE