CARLSBAD CHAMBER OF COMMERCE (EIN 951761292) - 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

1948

Legal Domicile

Principal Officer

Bret Schanzenbach

Phone

7609318400

Tax Period

2023-01-01 to 2023-12-31

CARLSBAD CHAMBER OF COMMERCE, founded in 1948, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion.

Mission

TO PROMOTE BUSINESSES THROUGH MEMBER SERVICES, EDUCATIONAL PROGRAMS, COOPERATIVE PARTNERSHIPS AND LEGISLATIVE ADVOCACY AND BUSINESS PROMOTION, EDUCATION AND RECOGNITION.

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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 (2023)

Revenue Breakdown

Contributions & Grants $693,474

Program Service Revenue $381,932

Investment Income $2,726

Other Revenue $273,966

TOTAL REVENUE $1,352,098

Expense Breakdown

Grants Paid $0

Salaries & Benefits $717,935

Fundraising Expenses $40,912

Program Expenses $460,101

Other Expenses $616,577

TOTAL EXPENSES $1,334,512

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,352,098	$1,225,357	+0.1%
Expenses	$1,334,512	$1,232,662	+0.1%
Net Income	$17,586	$-7,305	-3.4%

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

125

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

$192,559

Total Directors

$192,559

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Bret Schanzenbach	President & CEO	50.00	Officer Director	$176,978	$15,581	$192,559
Ramon Oseguera	Member	1.00	Director	$0	$0	$0
LUPE HAIRSTON	MEMBER	1.00	Director	$0	$0	$0
SAMIR MARWAH	MEMBER	1.00	Director	$0	$0	$0
DEB BEDDOE	Treasurer	1.00	Officer Director	$0	$0	$0
Chafic Rouhana	Member	1.00	Director	$0	$0	$0
Trent Andrews	Member	1.00	Director	$0	$0	$0
AMANDA MILES	Vice Chair	1.00	Officer Director	$0	$0	$0
Miguel De Jesus	VICE CHAIR	1.00	Officer Director	$0	$0	$0
Justin Jachura	Member	1.00	Director	$0	$0	$0
Stephen Herring	Member	1.00	Director	$0	$0	$0
Amber Ter-Vrugt	Member	1.00	Director	$0	$0	$0
TOM MORGAN	MEMBER	1.00	Director	$0	$0	$0
Kristianne Kurner	Member	1.00	Director	$0	$0	$0
Alex Renee Poelstra	VICE CHAIR	1.00	Officer Director	$0	$0	$0
Adam Jacobs	CHAIR	1.00	Officer Director	$0	$0	$0
SUE LOFTIN	Vice Chair	1.00	Officer Director	$0	$0	$0
Shoshanna Hart	Member	1.00	Director	$0	$0	$0
John Lukin	Member	1.00	Director	$0	$0	$0
JOSH MAZUR	Imdt Past Chair	1.00	Officer Director	$0	$0	$0
Naila Sfeir	Member	1.00	Director	$0	$0	$0
Aaron Byzak	Member	1.00	Director	$0	$0	$0
RACHEL IVANOVICH	Member	1.00	Director	$0	$0	$0
MARK SATULOFF	MEMBER	1.00	Director	$0	$0	$0
DARCY WOLFE	MEMBER	1.00	Director	$0	$0	$0
JR Phillips	Chair-elect	1.00	Officer Director	$0	$0	$0
Don Sando	Member	1.00	Director	$0	$0	$0
JOE GABALDON	MEMBER	1.00	Director	$0	$0	$0
TOM STORER	MEMBER	1.00	Director	$0	$0	$0
Blanca Rincon	Member	1.00	Director	$0	$0	$0
Phil McLellan	Member	1.00	Director	$0	$0	$0
CARL STREICHER	Vice Chair	1.00	Officer Director	$0	$0	$0
AJ VAN DE VEN	Member	1.00	Director	$0	$0	$0
BOB WESTFALL	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
2024	No data	No data	No data	No data
2023	$1,352,098	$1,334,512	$1,477,659	$17,586
2022	$1,225,357	$1,232,662	$1,266,481	$-7,305
2021	$1,394,394	$1,301,135	$1,328,788	$93,259
2020	$731,597	$1,113,987	$1,314,570	$-382,390
2019	$1,321,259	$1,400,333	$1,293,324	$-79,074
2018	$1,375,655	$1,426,426	$1,401,368	$-50,771

CARLSBAD CHAMBER OF COMMERCE