THE CHAMBER OF THE CHINO VALLEY

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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

1942

Legal Domicile

Principal Officer

ZEB WELBORN

Phone

9096276177

Tax Period

2023-07-01 to 2024-06-30

THE CHAMBER OF THE CHINO VALLEY, founded in 1942, is a community nonprofit that reported $1.4M in total revenue in fiscal year 2023. Revenue surged 108% from the prior year, signaling strong growth momentum. The organization ran a surplus of $215K, a strong 15% operating margin.

Mission

BUSINESS MEMBERSHIP PROMOTION AND ECONOMIC DEVELOPMENT FOR BUSINESSES IN THE CITIES OF CHINO AND CHINO HILLS THROUGH VARIOUS COMMUNITY EVENTS

Program Service Accomplishments

Program 1

Expenses: $644,324 Revenue: $873,794

WORKFORCE DEVELOPMENT

Program 2

Expenses: $248,059 Revenue: $313,867

PROMOTION AND ECONOMIC DEVELPMENT FOR BUSINESSES IN THE CITIES OF CHINO AND CHINO HILLS THROUGH VARIOUS COMMUNITY EVENTS

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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 $1,052,987

Program Service Revenue $327,867

Investment Income $32,222

Other Revenue $8,175

TOTAL REVENUE $1,421,251

Expense Breakdown

Grants Paid $14,000

Salaries & Benefits $672,958

Fundraising Expenses $0

Program Expenses $892,383

Other Expenses $519,455

TOTAL EXPENSES $1,206,413

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,421,251	$683,491	+1.1%
Expenses	$1,206,413	$833,204	+0.4%
Net Income	$214,838	$-149,713	-2.4%

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

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

$154,800

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRISTINA GAGNIER	CHAIR OF THE BOARD FY24-25	4.00	Officer	$0	$0	$0
TERRY FITCH	TREASURER FY23-24	6.00	Officer	$0	$0	$0
HEATHER PARSONS	SECRETARY	8.00	Officer	$0	$0	$0
DEANNA MARGHARITHA	CHAIR OF THE BOARD FY23-24	4.00	Officer	$0	$0	$0
ZEB WELBORN	EXECUTIVE DIRECTOR	40.00	Key Emp Highest	$154,800	$0	$154,800
JEFF BACA	TREASURER FY24-25	6.00	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	No data	No data	No data	No data
2024	$1,421,251	$1,206,413	$886,689	$214,838
2023	$683,491	$833,204	$119,329	$-149,713
2022	$577,835	$462,543	$274,139	$115,292
2021	$309,566	$263,947	$194,522	$45,619
2020	$245,194	$214,866	$107,890	$30,328
2019	$195,650	$195,841	$73,962	$-191
2018	$159,359	$194,312	$96,046	$-34,953