COVINA 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

1952

Legal Domicile

Principal Officer

CHARLEY BELL

Phone

6269674191

Tax Period

2025-01-01 to 2025-12-31

COVINA CHAMBER OF COMMERCE, founded in 1952, is a small nonprofit that reported $202K in total revenue in fiscal year 2025. Revenue grew 11% year-over-year, indicating healthy expansion. Expenses of $174K left a modest 14% surplus.

Mission

SERVICE TO THE BUSINESS COMMUNITY IN AND AROUND THE CITY OF COVINA

Program Service Accomplishments

Program 1

Expenses: $147,509

THE COVINA CHAMBER OF COMMERCE PROVIDES THE BUSINESS COMMUNITY THE OPPORTUNITY TO MAXIMIZE THEIR GROWTH, IMPROVE THEIR VISIBILITY AND PROVIDE A HEALTHY BUSINESS ENVIRONMENT.

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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 $0

Program Service Revenue $188,179

Investment Income $8,877

Other Revenue $5,025

TOTAL REVENUE $202,081

Expense Breakdown

Grants Paid $0

Salaries & Benefits $42,377

Fundraising Expenses $0

Program Expenses $147,509

Other Expenses $131,163

TOTAL EXPENSES $173,540

Year-over-Year Comparison

	2025	2024	Change
Revenue	$202,081	$182,536	+0.1%
Expenses	$173,540	$184,148	-0.1%
Net Income	$28,541	$-1,612	-18.7%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIAN HAMMETT	Director	2.00	Officer Director	$0	$0	$0
DAN MAYDECK	Treasurer	2.00	Officer Director	$0	$0	$0
JIMMY ROMAN	Chairman	1.00	Director	$0	$0	$0
CHARLEY BELL	CHAIRPERSON	1.00	Director	$0	$0	$0
TED DEWITT	Director	1.00	Director	$0	$0	$0
BEATRIZ VILLAGOMEZ	Director	1.00	Director	$0	$0	$0
CRYSTAL ELLIS	Director	1.00	Director	$0	$0	$0
JAMES CHUONG	Director	1.00	Director	$0	$0	$0
JOHN BRITTAIN	Director	1.00	Director	$0	$0	$0
ANDY MCINTYRE	Director	1.00	Director	$0	$0	$0
JANICE MENDOZA	Director	1.00	Director	$0	$0	$0
ELIZABETH RAMIREZ	OUTGOING CHAIR	1.00	Officer 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	$202,081	$173,540	$126,491	$28,541