SAN CLEMENTE CHAMBER OF COMMERCE (EIN 951451751) - 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

1980

Legal Domicile

Principal Officer

RICKY RODRIGUEZ

Phone

9494921131

Tax Period

2025-01-01 to 2025-12-31

SAN CLEMENTE CHAMBER OF COMMERCE, founded in 1980, is a small nonprofit that reported $796K in total revenue in fiscal year 2025. Revenue surged 25% from the prior year, signaling strong growth momentum. Expenses of $768K left a modest 4% surplus.

Mission

The San Clemente Chamber of Commerce supports the business community by providing the forum to help businesses build important community connections to enable them grow prosperous businesses.

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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 (2025)

Revenue Breakdown

Contributions & Grants $202,431

Program Service Revenue $582,557

Investment Income $10,852

Other Revenue $0

TOTAL REVENUE $795,840

Expense Breakdown

Grants Paid $0

Salaries & Benefits $424,794

Fundraising Expenses $31,360

Program Expenses $241,042

Other Expenses $342,902

TOTAL EXPENSES $767,696

Year-over-Year Comparison

	2025	2024	Change
Revenue	$795,840	$637,439	+0.2%
Expenses	$767,696	$622,473	+0.2%
Net Income	$28,144	$14,966	+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

100

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
SUSAN J LANTZ	CEO	40.00		$90,000	$0	$90,000
CHRIS AITKEN	Director	1.00	Director	$0	$0	$0
NICK BUCHANAN	Director	1.00	Director	$0	$0	$0
LANCE LARSON	Director	1.00	Director	$0	$0	$0
RICK DIVEL	Director	1.00	Director	$0	$0	$0
BURTON BROWN	Director	1.00	Director	$0	$0	$0
JESSICA REITER-FLAX	Director	1.00	Director	$0	$0	$0
MARY RAMPONE	Director	1.00	Director	$0	$0	$0
DON KINDRED	Director	1.00	Director	$0	$0	$0
MANNY ROMERO	Director	1.00	Director	$0	$0	$0
RICKY RODRIGUEZ	CFO	2.00	Officer	$0	$0	$0
JIM WYNNE	PAST CHAIR	1.00	Officer	$0	$0	$0
JENNIFER ELLIOTT	CHAIRWOMAN	2.00	Officer	$0	$0	$0
TYLER BODEN	CHAIR ELECT	2.00	Officer	$0	$0	$0
CORRINE LaFOLLETTE	VICE CHAIR	2.00	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
2025	$795,840	$767,696	$686,663	$28,144
2024	No data	No data	No data	No data
2023	$520,205	$550,496	$638,351	$-30,291
2022	$466,696	$454,259	$665,671	$12,437
2021	$317,379	$299,510	$745,198	$17,869
2020	$219,958	$240,428	$647,405	$-20,470
2019	$416,439	$416,644	$680,818	$-205
2018	$435,727	$445,797	$685,770	$-10,070

SAN CLEMENTE CHAMBER OF COMMERCE