BELMOND CHAMBER OF COMMERCE (EIN 420922745) - 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

1950

Legal Domicile

Principal Officer

MELANIE SOPHER

Phone

6414443937

Tax Period

2020-01-01 to 2020-12-31

BELMOND CHAMBER OF COMMERCE, founded in 1950, is a micro nonprofit that reported $12K in total revenue in fiscal year 2020. Revenue decreased 7% compared to the prior year. Expenses of $21K exceeded revenue, resulting in a 77% operating deficit.

Mission

TO PROMOTE BUSINESSES IN THE CITY OF BELMOND.

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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 (2020)

Revenue Breakdown

Contributions & Grants $11,812

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $11,812

Expense Breakdown

Grants Paid $0

Salaries & Benefits $7,993

Fundraising Expenses $0

Other Expenses $12,958

TOTAL EXPENSES $20,951

Year-over-Year Comparison

	2020	2019	Change
Revenue	$11,812	$12,644	-0.1%
Expenses	$20,951	$12,217	+0.7%
Net Income	$-9,139	$427	-22.4%

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

N/A

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
CODY BONNSTETTER	DIRECTOR	1.00	Director	$0	$0	$0
MIKE EWING	DIRECTOR	1.00	Director	$0	$0	$0
JEWEL MCFARLAND	DIRECTOR	1.00	Director	$0	$0	$0
MELANIE SOPHER	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
2020	$11,812	$20,951	$17,089	$-9,139
2019	$12,644	$12,217	$24,071	$427
2018	$14,855	$12,778	$20,334	$2,077

BELMOND CHAMBER OF COMMERCE