CLEARWATER REGIONAL CHAMBER OF COMMERCE (EIN 590196955) - 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

1985

Principal Officer

AMANDA PAYNE

Phone

7274610011

Tax Period

2023-10-01 to 2024-09-30

CLEARWATER REGIONAL CHAMBER OF COMMERCE, founded in 1985, is a community nonprofit that reported $1.2M in total revenue in fiscal year 2023. Expenses of $1.4M exceeded revenue, resulting in a 18% operating deficit.

Mission

TO ENHANCE THE BUSINESS ENVIRONMENT AND PROMOTE REGIONAL ECONOMIC HEALTH AND GROWTH IN THE CLEARWATER REGION.

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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 $809,299

Program Service Revenue $194,728

Investment Income $0

Other Revenue $224,790

TOTAL REVENUE $1,228,817

Expense Breakdown

Grants Paid $0

Salaries & Benefits $834,439

Fundraising Expenses $0

Other Expenses $615,227

TOTAL EXPENSES $1,449,666

Year-over-Year Comparison

	2023	2022	Change
Revenue	$1,228,817	$1,279,790	0.0%
Expenses	$1,449,666	$1,281,954	+0.1%
Net Income	$-220,849	$-2,164	+101.1%

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

$236,300

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMANDA PAYNE	PRESIDENT/CE	40.00	Officer	$236,300	$0	$236,300
SHERI AQUILAR	DIRECTOR	2.00	Director	$0	$0	$0
JEFF BAKER	DIRECTOR	2.00	Director	$0	$0	$0
RICHARD G BUSCHART	DIRECTOR	2.00	Director	$0	$0	$0
SUSAN CROCKETT	DIRECTOR	2.00	Director	$0	$0	$0
MIGUEL DIAZ	DIRECTOR	2.00	Director	$0	$0	$0
V RAYMOND FERRARA	DIRECTOR	2.00	Director	$0	$0	$0
LOU GALDIERI	DIRECTOR	2.00	Director	$0	$0	$0
GSCOTT GOYER	DIRECTOR	2.00	Director	$0	$0	$0
TASHIKA GRIFFITH	DIRECTOR	2.00	Director	$0	$0	$0
JOSH GUEST	DIRECTOR	2.00	Director	$0	$0	$0
DAVID HABIB	DIRECTOR	2.00	Director	$0	$0	$0
SHERI HEILMAN	DIRECTOR	2.00	Director	$0	$0	$0
BRIAN AUNGUST JR	DIRECTOR	2.00	Director	$0	$0	$0
DOTTI OVERTON	DIRECTOR	2.00	Director	$0	$0	$0
DOMINIC PROVENZANO	DIRECTOR	2.00	Director	$0	$0	$0
TRISHA RODRIGUEZ	DIRECTOR	2.00	Director	$0	$0	$0
MIKE SUTTON	DIRECTOR	2.00	Director	$0	$0	$0
JOHN TIMBERLAKE	DIRECTOR	2.00	Director	$0	$0	$0
ERIC WALTZ	DIRECTOR	2.00	Director	$0	$0	$0
TRACY WEST	DIRECTOR	2.00	Director	$0	$0	$0
ANDREW WINKLER	DIRECTOR	2.00	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	$1,228,817	$1,449,666	$2,059,591	$-220,849
2023	$1,279,790	$1,281,954	$2,290,195	$-2,164
2022	$1,074,935	$1,017,770	$692,358	$57,165
2021	$953,217	$808,517	$635,092	$144,700
2020	$963,971	$930,422	$585,865	$33,549
2018	$833,716	$902,745	$300,583	$-69,029

CLEARWATER REGIONAL CHAMBER OF COMMERCE