CUBA CHAMBER OF COMMERCE INC (EIN 166038501) - 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

1914

Legal Domicile

Principal Officer

KEVIN WHITE

Tax Period

2023-01-01 to 2023-12-31

CUBA CHAMBER OF COMMERCE INC, founded in 1914, is a small nonprofit that reported $112K in total revenue in fiscal year 2023. Revenue grew 18% year-over-year, indicating healthy expansion. Net assets of $540K represent 58 months of operating reserves.

Mission

PROMOTE BUSINESS PROSPERITY AND A HEALTHY COMMUNITY BY PROVIDING INFORMATION, SERVICES AND ADVOCACY FOR OUR MEMBERSHIP AND CITIZENS

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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 (2023)

Revenue Breakdown

Contributions & Grants $9,348

Program Service Revenue $0

Investment Income $75

Other Revenue $102,844

TOTAL REVENUE $112,267

Expense Breakdown

Grants Paid $5,850

Salaries & Benefits $32,836

Fundraising Expenses $0

Program Expenses $77,884

Other Expenses $75,306

TOTAL EXPENSES $113,992

Year-over-Year Comparison

	2023	2022	Change
Revenue	$112,267	$95,016	+0.2%
Expenses	$113,992	$95,658	+0.2%
Net Income	$-1,725	$-642	+1.7%

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

$25,524

Total Directors

$25,524

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
KEVIN WHITE	PRESIDENT	2	Officer Director	$0	$0	$0
BRIAN LOUCKS	VP	1	Officer Director	$0	$0	$0
MARY LOU LEWIS	TREASURER	2	Officer Director	$0	$0	$0
SUSAN HERRICK	SECRETARY	35	Officer Director	$25,524	$0	$25,524
TERRY FORWARD	DIRECTOR	1	Director	$0	$0	$0
MICHELE CONKLI	DIRECTOR	1	Director	$0	$0	$0
SARAH BRADLEY	DIRECTOR	1	Director	$0	$0	$0
TOM KENYON	DIRECTOR	1	Director	$0	$0	$0
PAM YOUNG	DIRECTOR	1	Director	$0	$0	$0
TINA DALTON	DIRECTOR	1	Director	$0	$0	$0
MATTHEW WILLIA	DIRECTOR	1	Director	$0	$0	$0
BRENDA GRANDMA	DIRECTOR	1	Director	$0	$0	$0
BYRON LONG	DIRECTOR	1	Director	$0	$0	$0
JONATHAN ENZIN	DIRECTOR	1	Director	$0	$0	$0
MARY HORTON	DRIECTOR	1	Director	$0	$0	$0
KELLY BURCH	DIRECTOR	1	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	No data	No data	No data	No data
2023	$112,267	$113,992	$543,016	$-1,725
2022	$95,016	$95,658	$587,437	$-642
2021	$86,782	$60,215	$574,370	$26,567
2020	$45,570	$62,669	$539,953	$-17,099
2019	$111,968	$70,738	$557,447	$41,230

CUBA CHAMBER OF COMMERCE INC