VISTA CHAMBER OF COMMERCE (EIN 951715281) - 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

1929

Legal Domicile

Phone

7607261122

Tax Period

2022-07-01 to 2023-06-30

VISTA CHAMBER OF COMMERCE, founded in 1929, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2022. Revenue surged 44% from the prior year, signaling strong growth momentum. Expenses of $1.2M left a modest 4% surplus.

Mission

TO PROMOTE BUSINESS AND ECONOMIC DEVELOPMENT WITHIN THE CITY OF VISTA AND THE SURROUNDING 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 (2022)

Revenue Breakdown

Contributions & Grants $220,479

Program Service Revenue $950,985

Investment Income $423

Other Revenue $53,073

TOTAL REVENUE $1,224,960

Expense Breakdown

Grants Paid $23,000

Salaries & Benefits $436,322

Fundraising Expenses $0

Other Expenses $720,428

TOTAL EXPENSES $1,179,750

Year-over-Year Comparison

	2022	2021	Change
Revenue	$1,224,960	$853,628	+0.4%
Expenses	$1,179,750	$811,942	+0.5%
Net Income	$45,210	$41,686	+0.1%

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

$125,355

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
RACHEL BELD	CEO	40.00	Officer	$125,355	$0	$125,355
Adam Brooks	PAST CHAIR	4.00	Officer Director	$0	$0	$0
AARON BYZAK	Director	2.00	Director	$0	$0	$0
AARON GOBIDAS	Director	2.00	Director	$0	$0	$0
KYLE ADAMS	Director	2.00	Director	$0	$0	$0
BETSY HEIGHTMAN	Director	2.00	Director	$0	$0	$0
Steve Harrington	Treasurer	3.00	Officer Director	$0	$0	$0
MARIA HALLET	Director	2.00	Director	$0	$0	$0
ROCHELLE SMARR	Director	2.00	Director	$0	$0	$0
KERRI TAYLOR	Director	2.00	Director	$0	$0	$0
VICKI BETZ	Director	2.00	Director	$0	$0	$0
BEN BURLEY	Director	2.00	Director	$0	$0	$0
ZEKE CORLEY	VICE CHAIR	3.00	Officer Director	$0	$0	$0
VICENTE HINOJOSA	Director	2.00	Director	$0	$0	$0
DAVE BALDWIN	Chairman	4.00	Officer Director	$0	$0	$0
DENISSE BARRAGAN	Treasurer	3.00	Officer Director	$0	$0	$0
TERRY VAN KIRK	Director	2.00	Director	$0	$0	$0
TERRY WOODS	Secretary	3.00	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
2024	No data	No data	No data	No data
2023	$1,224,960	$1,179,750	$710,547	$45,210
2023	$333,858	$440,639	$539,236	$-106,781
2022	$853,628	$811,942	$685,218	$41,686
2021	$479,357	$552,322	$361,509	$-72,965
2020	$447,909	$555,575	$704,530	$-107,666
2019	$710,906	$776,261	$608,906	$-65,355
2019	$700,909	$776,825	$608,906	$-75,916

VISTA CHAMBER OF COMMERCE