San Clemente Chamber of Commerce

Nonprofit profile at a glance

EIN
951451751
IRS 990 coverage
2011–2025
Forms available
Form 990 2025
Location
San Clemente, CA, USA
Phone
9494921131
Rating
76
Verdict
SUPPORTED
Rating confidence
Moderate

Official website

Reported finances

Revenue
$795,840
Expenses
$767,696
Assets
$686,663
Liabilities
$35,135

Source: IRS Form 990. Selected filing: tax year 2025. Amounts in USD.

Leadership & pay

15 people listed

Executive titles in this filing

  • SUSAN J LANTZ (CEO)

Highest reported compensation

  • SUSAN J LANTZ (CEO): $90,000 total reported compensation

Source: IRS Form 990. Selected filing: tax year 2025. Names and roles reflect this filing, not necessarily current officeholders.

Overview

Mission

The San Clemente Chamber of Commerce supports the business community by providing the forum to help businesses build important community connections to enable them grow prosperous businesses.

What it reported doing in 2025

Fiesta Music Festival. This annual celebration, which began in 1953, has become the citys largest family-friendly summer party. With Avenida Del Mar closed to traffic, downtown offers a bustling epicenter of live music, delicious food booths, marketing expos, arts and crafts vendors, kids activities, games and exhibits.

Operating model

Revenue model
Earned-program. 73% of the money available for current operations came from fees and other program revenue.
Distribution model
Cannot be determined from the filing. The filing does not provide enough consistent spending detail to tell whether the nonprofit works directly or through others.

The verdict

SUPPORTED - A large share of available resources goes toward mission work and the filed numbers largely add up. Fundraising costs are high for each dollar raised and expenses are high relative to revenue.

Rating breakdown

  • Financial Efficiency: 65
  • Transparency & Controls: 81
  • Accountability: 91
  • Sustainability: 40
  • Growth: 100

Detailed rating inputs

Financial Efficiency

  • Mission deployment rate: 69.9%; rating input score 70
  • Program expense ratio: 72.4%; rating input score 72
  • Fundraising efficiency: $6.46 raised per $1 spent on fundraising; rating input score 22; 22nd percentile among comparable filings

Transparency & Controls

  • Consistency checks: 90%; rating input score 90; 7th percentile among comparable filings
  • Pay-setting controls: Limited
  • Foreign activity oversight: Limited
  • Grant itemization coverage: Limited
  • Major donor itemization: Limited
  • Related-party transparency: Limited

Accountability

  • Independent voting board: 92.9%; rating input score 93; 27th percentile among comparable filings
  • Governance controls: 7 of 8 controls in place; rating input score 88
    • Conflict-of-interest policy: Pass
    • Whistleblower policy: Pass
    • Document-retention policy: Pass
    • CEO compensation review process: Pass
    • Other executive compensation review process: NotApplicable
    • Form 990 shared with the board: Pass
    • Board meeting minutes documented: Pass
    • Audit committee oversight: Pass
    • Independent financial-statement audit: Fail

Sustainability

  • Operating margin: 3.5%; rating input score 41; 41st percentile among comparable filings
  • Total-asset coverage ratio: 0.89; rating input score 40; 40th percentile among comparable filings
  • Liabilities to assets ratio: 0.05; rating input score 43; 43rd percentile among comparable filings
  • Officer compensation ratio: 11.7%; rating input score 32; 32nd percentile among comparable filings

Growth

  • Program expense growth: 27.8% per year; rating input score 100; 87th percentile among comparable filings
  • Revenue growth: 0.7% per year; rating input score 100; 13th percentile among comparable filings
  • Asset growth: 0.7% per year; rating input score 100; 17th percentile among comparable filings

Details

  • Where the money goes: 69.9% of revenue deployed · 72.4% of spending went to programs
  • Governance: 13 of 14 board members independent · 7 of 8 filing controls reported
  • Programs: 4 filed program accomplishments · $241K in reported program spending
  • Leadership: top reported pay $90K · 15 people listed
  • Consistency: 23 of 24 current checks pass · 1 finding to review
  • Schedules: 3 filed schedules
  • Filing history: 13 filing years from 2011 to 2025
  • Contacts: How to reach this organization
  • Money network: 2 filed money-flow records
  • 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.

Key Signals

Signals prioritize questions for review. They are not findings of misconduct.

  • High — Financial Efficiency: Fundraising efficiency scored 22/100.
  • Moderate — Sustainability: Operating margin scored 41/100.
  • Moderate — Transparency & Controls: Functional expense sum did not reconcile in the filed values.
  • Review — Accountability: Governance controls: Independent financial-statement audit not reported.
  • Moderate — Sustainability: Total-asset coverage ratio scored 40/100.
  • Moderate — Sustainability: Officer compensation ratio scored 32/100.
  • Moderate — Sustainability: Liabilities to assets ratio scored 43/100.