Morro Bay Chamber of Commerce
Nonprofit profile at a glance
- EIN
- 952590040
- IRS 990 coverage
- 2010–2025
- Forms available
- Form 990 2025
- Location
- Morro Bay, CA, USA
- Phone
- 8057724467
- Rating
- 70
- Verdict
- SUPPORTED
- Rating confidence
- Moderate
Reported finances
- Revenue
- $171,100
- Expenses
- $223,672
- Assets
- $53,510
- Liabilities
- $62,864
Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.
Leadership & pay
10 people listed
Executive titles in this filing
- TINA CLARK (CEO)
People named in this filing
- RAY RIORDAN (BOARD MEMBER)
- CHERISE HANSSON (BOARD MEMBER)
- BOB FOWLER (BOARD MEMBER)
Selected names, not a complete roster or a statement of current roles. Open leadership details for the complete filed list.
Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.
Overview
Mission
The morro bay chamber of commerce empowers business through connection, advocacy, and education.
What it reported doing in 2025
Chamber fulfills its mission by connecting business peers to one another, to local leaders, and to community champions.
Operating model
- Revenue model
- Mixed. Its operating money came from several sources; no one source provided a clear majority.
- Distribution model
- Direct operator. The filing allocates 100% of reported program-service expenses outside its grant, affiliate-payment, and member-benefit lines. This expense classification does not rule out separately announced grant awards.
The verdict
SUPPORTED - The filed numbers largely add up and most voting board members are independent. A relatively small share of total spending goes to programs and some filing-based governance responses are negative or unanswered.
Rating breakdown
- Financial Efficiency: 51
- Transparency & Controls: 92
- Accountability: 82
- Sustainability: 16
- Growth: 100
Detailed rating inputs
Financial Efficiency
- Mission deployment rate: 63.3%; rating input score 63
- Program expense ratio: 48.4%; rating input score 48
- Fundraising efficiency: Limited
Transparency & Controls
- Consistency checks: 100%; rating input score 100; 64th percentile among comparable filings
- Pay-setting controls: Limited
- Foreign activity oversight: Limited
- Grant itemization coverage: Limited
- Major donor itemization: Yes; rating input score 100
- Related-party transparency: Limited
Accountability
- Independent voting board: 100%; rating input score 100; 64th percentile among comparable filings
- Governance controls: 4 of 7 controls in place; rating input score 57
- Conflict-of-interest policy: Pass
- Whistleblower policy: Pass
- Document-retention policy: Pass
- CEO compensation review process: NotApplicable
- Other executive compensation review process: NotApplicable
- Form 990 shared with the board: Fail
- Board meeting minutes documented: Pass
- Audit committee oversight: Missing
- Independent financial-statement audit: Fail
Sustainability
- Operating margin: -30.7%; rating input score 7; 7th percentile among comparable filings
- Total-asset coverage ratio: 0.24; rating input score 14; 14th percentile among comparable filings
- Liabilities to assets ratio: 1.17; rating input score 3; 3rd percentile among comparable filings
- Officer compensation ratio: 0%; rating input score 67; 67th percentile among comparable filings
Growth
- Program expense growth: 0.1% per year; rating input score 100; 28th percentile among comparable filings
- Revenue growth: 1.4% per year; rating input score 100; 27th percentile among comparable filings
- Asset growth: 4.5% per year; rating input score 100; 42nd percentile among comparable filings
Details
- Where the money goes: 63.3% of revenue deployed · 48.4% of spending went to programs
- Governance: 12 of 12 board members independent · 4 of 7 filing controls reported
- Programs: 2 filed program accomplishments
- Leadership: top reported pay $0 · 10 people listed
- Consistency: 25 of 25 current checks pass
- Schedules: 4 filed schedules · includes major donors
- Filing history: 11 filing years from 2010 to 2025
- Contacts: How to reach this organization
- Grant readiness: Federal tax and exclusion status, award history, and grant-maker relationships.
- People: Everyone the filings name, and which of them the filings identify by more than a name.
- Staff and benefit plans: Retirement and health plans the organization files with the Department of Labor, and the people in them.
Key Signals
Signals prioritize questions for review. They are not findings of misconduct.
- Moderate — Financial Efficiency: Program expense ratio scored 48/100.
- Review — Accountability: Governance controls: 2 of 6 not reported.
- High — Sustainability: Operating margin scored 7/100.
- High — Sustainability: Total-asset coverage ratio scored 14/100.
- High — Sustainability: Liabilities to assets ratio scored 3/100.