Cayucos 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

1949

Legal Domicile

Phone

8059951200

Tax Period

2024-01-01 to 2024-12-31

Cayucos Chamber of Commerce, founded in 1949, is a small nonprofit that reported $154K in total revenue in fiscal year 2024.

Mission

The Cayucos Chamber of Commerce offers services and events for the purpose of supporting the community and its businesses; especially significant are the annual Fourth of July Fireworks show, and the Cayucos Visitors Center.

Program Service Accomplishments

Program 1

Expenses: $38,335

Continuing operation and staffing of the Cayucos Chamber of Commerce Office providing information about the community, its activities, and its businesses.

Program 2

Expenses: $34,000

Fourth of July Fireworks Display to celebrate America's freedom, and Related Events to promote tourism and business in the community.

Program 3

Committees and programs directed by volunteers to advance the commercial, financial, and civic needs of the community.

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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 $11,304

Program Service Revenue $135,900

Investment Income $0

Other Revenue $6,368

TOTAL REVENUE $153,572

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $72,335

Other Expenses $150,968

TOTAL EXPENSES $150,968

Year-over-Year Comparison

	2024	2023	Change
Revenue	$153,572	N/A	N/A
Expenses	$150,968	N/A	N/A
Net Income	$2,604	N/A	N/A

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

N/A

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Lisa Unger	Treasurer	12.00	Officer Director	$0	$0	$0
Lori Stone	Secretary	1.00	Director	$0	$0	$0
Alex Schams	Vice President	10.00	Officer Director	$0	$0	$0
Carol Kramer	President	1.00	Officer 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	$153,572	$150,968	$35,982	$2,604
2019	$197,146	$165,909	$84,993	$31,237
2018	$188,045	$157,704	$53,820	$30,341