SAN MARCOS CHAMBER OF COMMERCE (EIN 952475085) - 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

1967

Legal Domicile

Principal Officer

RICK RUNGAITIS

Phone

7607441270

Tax Period

2025-01-01 to 2025-12-31

SAN MARCOS CHAMBER OF COMMERCE, founded in 1967, is a small nonprofit that reported $376K in total revenue in fiscal year 2025. Expenses of $424K exceeded revenue, resulting in a 13% operating deficit.

Mission

PROMOTE COMMUNITY BUSINESS

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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 $537,135

Program Service Revenue $12,854

Investment Income $423

Other Revenue $-174,329

TOTAL REVENUE $376,083

Expense Breakdown

Grants Paid $8,900

Salaries & Benefits $299,578

Fundraising Expenses $2,089

Program Expenses $14,696

Other Expenses $115,414

TOTAL EXPENSES $423,892

Year-over-Year Comparison

	2025	2024	Change
Revenue	$376,083	$389,580	0.0%
Expenses	$423,892	$393,445	+0.1%
Net Income	$-47,809	$-3,865	+11.4%

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

N/A

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

$125,594

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Role	Reportable Comp	Other Comp	Total
RICK RUNGAITIS	CEO	Officer Highest	$110,394	$15,200	$125,594
MATT CLEARY	DIRECTOR	Director	$0	$0	$0
JULIE LANTHIER BANDY	DIRECTOR	Director	$0	$0	$0
CHASE PARLETT	DIRECTOR	Director	$0	$0	$0
MATT SIMMONS	DIRECTOR	Director	$0	$0	$0
DEBBIE THOMPSON	DIRECTOR	Director	$0	$0	$0
GODFREY GIBBISON	DIRECTOR	Director	$0	$0	$0
VARINDA MISSETT	DIRECTOR	Director	$0	$0	$0
PATRICK SCHALLBERGER	DIRECTOR	Director	$0	$0	$0
SHEILA BROWN	DIRECTOR	Director	$0	$0	$0
JUSTIN BUHAGIAR	DIRECTOR	Director	$0	$0	$0
MAYA MADSEN	DIRECTOR	Director	$0	$0	$0
MICHAEL WINTER	DIRECTOR	Director	$0	$0	$0
GODFREY GIBBISON	DIRECTOR	Director	$0	$0	$0
DARIUS KHAYAT	DIRECTOR	Director	$0	$0	$0
VARINDA MISSETT	DIRECTOR	Director	$0	$0	$0
TESS SANGSTER	DIRECTOR	Director	$0	$0	$0
ANTHONY WHITE	DIRECTOR	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	$376,083	$423,892	$97,428	$-47,809
2024	$389,580	$393,445	$135,698	$-3,865
2023	$293,782	$376,540	$146,612	$-82,758
2022	$337,082	$368,562	$241,211	$-31,480
2021	$341,316	$352,238	$261,728	$-10,922
2020	$261,342	$278,869	$141,827	$-17,527
2019	$314,087	$331,430	$48,922	$-17,343
2018	$295,764	$312,566	$80,038	$-16,802

SAN MARCOS CHAMBER OF COMMERCE