Atascadero 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

1926

Legal Domicile

Principal Officer

JOSEPH FERRELL

Phone

8054662044

Tax Period

2024-07-01 to 2025-06-30

Atascadero Chamber of Commerce, founded in 1926, is a community nonprofit that reported $1.0M in total revenue in fiscal year 2024. Expenses of $1.1M exceeded revenue, resulting in a 13% operating deficit.

Mission

PROMOTE THE CITY OF ATASCADERO AS A PLACE TO LIVE OR CREATE A BUSINESS CLIMATE FOR BUSINESS WHICH WILL PROVIDE FOR ECONOMIC GROWTH

Program Service Accomplishments

Program 1

THE PURPOSE OF THE ATASCADERO CHAMBER OF COMMERCE IS TO REPRESENT COMMERICAL, INDUSTRIAL AND PROFESSIONAL BUSINESS BY PROMOTING THE ECONOMIC WELFARE OF THE AREA.

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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 (2024)

Revenue Breakdown

Contributions & Grants $325,643

Program Service Revenue $366,702

Investment Income $1

Other Revenue $317,343

TOTAL REVENUE $1,009,689

Expense Breakdown

Grants Paid $0

Salaries & Benefits $591,338

Fundraising Expenses $0

Other Expenses $545,208

TOTAL EXPENSES $1,136,546

Year-over-Year Comparison

	2024	2023	Change
Revenue	$1,009,689	$1,058,867	0.0%
Expenses	$1,136,546	$951,574	+0.2%
Net Income	$-126,857	$107,293	-2.2%

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

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOSH CROSS	CEO & PRESIDENT	40.00		$52,500	$0	$52,500
JESSICA ESTRADA	Board Member	1.00	Director	$0	$0	$0
ROY MORGAN	Board Member	1.00	Director	$0	$0	$0
LORELI CAPPEL	Board Member	1.00	Director	$0	$0	$0
JEFF RAILSBACK	Board Member	1.00	Director	$0	$0	$0
ERIC DANIELS	Board Member	1.00	Director	$0	$0	$0
LIZ SUMMER	Board Member	1.00	Director	$0	$0	$0
STACI WASHMUTH	Board Member	1.00	Director	$0	$0	$0
ANN LITTLE	Board Member	1.00	Director	$0	$0	$0
AUSTIN YARBOROUGH	Board Member	1.00	Director	$0	$0	$0
EDDIE HERERRA	Board Member	1.00	Director	$0	$0	$0
RAECHELLE BOWLAY	Outgoing Chair	1.00	Officer	$0	$0	$0
JOSEPH FERRELL	Chairman	2.00	Officer	$0	$0	$0
JOSH ROCHA	CFO	2.00	Officer	$0	$0	$0
ROGER SNOBLE	Secretary	2.00	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	$1,009,689	$1,136,546	$718,071	$-126,857
2024	$1,058,867	$951,574	$894,174	$107,293
2023	$976,601	$761,614	$743,630	$214,987