CARPINTERIA 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

1934

Legal Domicile

Principal Officer

JOYCE DONALDSON

Phone

8056847629

Tax Period

2020-01-01 to 2020-06-30

CARPINTERIA CHAMBER OF COMMERCE, founded in 1934, is a micro nonprofit that reported $92K in total revenue in fiscal year 2020. Revenue fell 54% from the prior year — a significant decline worth monitoring.

Mission

THE CHAMBER IS DEDICATED TO CREATING A HEALTHY LOCAL ECONOMY AND BUILDING A STRONG ENVIRONMENT FOR ECONOMIC GROWTH AND SUSTAINABILITY.

Program Service Accomplishments

Program 1

THE CHAMBER HOLDS AN ANNUAL AWARDS BANQUET TO ACKNOWLEDGE AND HONOR MEMBERS OF THE COMMUNITY FOR THEIR SUPPORT AND DEDICATION OF LOCAL PROGRAMS, ACTIVITIES, AND 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 (2020)

Revenue Breakdown

Contributions & Grants $53,558

Program Service Revenue $20,780

Investment Income $0

Other Revenue $18,078

TOTAL REVENUE $92,416

Expense Breakdown

Grants Paid $0

Salaries & Benefits $73,126

Fundraising Expenses $23,958

Other Expenses $23,773

TOTAL EXPENSES $96,899

Year-over-Year Comparison

	2020	2019	Change
Revenue	$92,416	$199,946	-0.5%
Expenses	$96,899	$194,993	-0.5%
Net Income	$-4,483	$4,953	-1.9%

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

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
JOYCE DONALDSON	PRESIDENT &	50.00		$49,927	$0	$49,927
CAROLINE ALARCON	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL BAKER	DIRECTOR	1.00	Director	$0	$0	$0
TERRY HICKEY BANKS	SENIOR ADVIS	1.00	Director	$0	$0	$0
SARA DEARMAN	DIRECTOR	1.00	Director	$0	$0	$0
LARRY DORIS	DIRECTOR	1.00	Director	$0	$0	$0
DAVE DURFLINGER	DIRECTOR	1.00	Director	$0	$0	$0
MICHAEL ENSIGN	DIRECTOR	1.00	Director	$0	$0	$0
CLYDE FREEMAN	DIRECTOR	1.00	Director	$0	$0	$0
KAREN WELTY GRAF	DIRECTOR	1.00	Director	$0	$0	$0
DORALEE S JACOBSON	DIRECTOR	1.00	Director	$0	$0	$0
CURTIS LOPEZ	CHAIRMAN	1.00	Officer Director	$0	$0	$0
SHELLEY NUNES	CFO/IMMED PA	1.00	Officer Director	$0	$0	$0
JOSEPH CAMBRAY PHD	DIRECTOR	1.00	Director	$0	$0	$0
MONICA SOLORZANO	DIRECTOR	1.00	Director	$0	$0	$0
JULIE SPEAR	DIRECTOR	1.00	Director	$0	$0	$0
JOEY ZUMAYA	DIRECTOR	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
2020	$92,416	$96,899	No data	$-4,483
2019	$199,946	$194,993	$22,999	$4,953
2018	$178,394	$177,978	$19,174	$416