BRANDON VALLEY CHAMBER OF COMMERCE (EIN 460414476) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1991

Legal Domicile

Principal Officer

RACHEL NEIMAN

Phone

6055827400

Tax Period

2023-01-01 to 2023-12-31

BRANDON VALLEY AREA CHAMBER OF COMMERCE, founded in 1999, is a small nonprofit that reported $145K in total revenue in fiscal year 2018. Revenue fell 26% from the prior year — a significant decline worth monitoring. Expenses of $261K exceeded revenue, resulting in a 80% operating deficit.

Mission

TO BE THE PRIMARY ADVOCATE, VOICE, AND RESOURCE FOR BUSINESSES AND ORGANIZATIONS IN THE BRANDON VALLEY AREA.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $218,750

Program Service Revenue $106,407

Investment Income $804

Other Revenue $5,533

TOTAL REVENUE $331,494

Expense Breakdown

Grants Paid $0

Salaries & Benefits $133,840

Fundraising Expenses $0

Other Expenses $209,018

TOTAL EXPENSES $342,858

Year-over-Year Comparison

	2023	2022	Change
Revenue	$331,494	$142,590	+1.3%
Expenses	$342,858	$288,498	+0.2%
Net Income	$-11,364	$-145,908	-0.9%

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

100

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

$64,926

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMANDA STARZL	BOARD MEMBER	0.50	Director	$0	$0	$0
BOB LOGAN	PAST CHAIR	0.50	Officer Director	$0	$0	$0
CHANDRA LARSON	BOARD MEMBER	0.50	Director	$0	$0	$0
CARMEN DOUGHERTY	CHAIR	0.50	Officer Director	$0	$0	$0
DAEMON COUGHLIN	BOARD MEMBER	0.50	Director	$0	$0	$0
LEE SCHELLING	BOARD MEMBER	0.50	Director	$0	$0	$0
JILL MEIER	BOARD MEMBER	0.50	Director	$0	$0	$0
VAL LEMKAU	SECRETARY/TREASURER	0.50	Officer Director	$0	$0	$0
YANNICK LARCHOE	BOARD MEMBER	0.50	Director	$0	$0	$0
CHRIS LIMMER	VICE CHAIR	0.50	Officer Director	$0	$0	$0
RACHAEL NEIMAN	EXECUTIVE DIRECTOR	40.00	Officer	$59,831	$5,095	$64,926

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	$331,494	$342,858	$173,608	$-11,364
2022	$142,590	$288,498	$179,596	$-145,908
2021	$367,963	$290,063	$328,903	$77,900
2020	$293,597	$249,800	$249,449	$43,797
2019	$311,890	$298,529	$194,847	$13,361
2018	$145,049	$261,248	$81,510	$-116,199

BRANDON VALLEY CHAMBER OF COMMERCE