UPLAND 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

1963

Legal Domicile

Principal Officer

LAURA TOLBIRT

Phone

9092044465

Tax Period

2024-07-01 to 2025-06-30

UPLAND CHAMBER OF COMMERCE, founded in 1963, is a small nonprofit in the Community Improvement sector that reported $346K in total revenue in fiscal year 2024. Revenue grew 12% year-over-year, indicating healthy expansion. Expenses of $308K left a modest 11% surplus.

Mission

TO PROVIDE ADVOCACY, INFORMATION AND SERVICES NECESSARY TO ENHANCE AND SUPPORT THE BUSINESS COMMUNITY SERVING THE UPLAND AREA.

Program Service Accomplishments

Program 1

Expenses: $40,983

MIXERS, BREAKFAST, AND LUNCHEON MEETINGS PROVIDING BUSINESS OWNERS AND COMMUNITY LEADERS OPPORTUNITIES AND RESOURCES FOR NETWORKING AND ENHANCING THEIR BUSINESS WITHIN THE COMMUNITY

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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 $112,143

Program Service Revenue $7,376

Investment Income $9,167

Other Revenue $217,404

TOTAL REVENUE $346,090

Expense Breakdown

Grants Paid $0

Salaries & Benefits $172,578

Fundraising Expenses $0

Program Expenses $40,983

Other Expenses $135,109

TOTAL EXPENSES $307,687

Year-over-Year Comparison

	2024	2023	Change
Revenue	$346,090	$308,636	+0.1%
Expenses	$307,687	$290,084	+0.1%
Net Income	$38,403	$18,552	+1.1%

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
ERIC HANSON	DIRECTOR	4.00	Director	$0	$0	$0
AMY VALDIVIA	PAST CHAIR	4.00	Director	$0	$0	$0
FRANK CONIGLIO	DIRECTOR	4.00	Director	$0	$0	$0
ANDREW BEHNKE	VICE CHAIR	6.00	Director	$0	$0	$0
LAURA TOLBIRT	CHAIR PERSON	8.00	Officer Director	$0	$0	$0
DAN MCGUIRE	VICE CHAIR	4.00	Director	$0	$0	$0
ANDY CARLSON	DIRECTOR	4.00	Director	$0	$0	$0
RANDAL HANNAH	DIRECTOR	4.00	Director	$0	$0	$0
DR DOUG MCKOWN	DIRECTOR	6.00	Director	$0	$0	$0
MELBA B BUENAFE REY	DIRECTOR	4.00	Director	$0	$0	$0
AARON STEINMETZ	SECRETARY	4.00	Officer Director	$0	$0	$0
DORI FERRANTO	INCOMING CHAIR	4.00	Officer Director	$0	$0	$0
DAVE NOWELL	DIRECTOR	4.00	Director	$0	$0	$0
DAVID LAMB	TREASURER	4.00	Officer Director	$0	$0	$0
MICHAEL COUPER	DIRECTOR	4.00	Director	$0	$0	$0
MELISSA BOYD	DIRECTOR	4.00	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	$346,090	$307,687	$336,205	$38,403
2024	$308,636	$290,084	$288,743	$18,552
2023	$302,569	$237,728	$293,135	$64,841
2022	$332,569	$285,234	$212,819	$47,335
2021	$169,491	$217,476	$243,144	$-47,985
2020	$251,614	$267,720	$259,469	$-16,106
2019	$296,552	$274,495	$238,166	$22,057