APALACHICOLA BAY CHAMBER OF COMMERCE INC (EIN 590549478) - 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

Legal Domicile

Principal Officer

JERRY HALL

Phone

8506539419

Tax Period

2023-07-01 to 2024-06-30

APALACHICOLA BAY CHAMBER OF COMMERCE INC, founded in 1985, is a small nonprofit that reported $454K in total revenue in fiscal year 2023. Revenue surged 29% from the prior year, signaling strong growth momentum. Expenses of $433K left a modest 5% surplus.

Mission

TO PROMOTE THE BUSINESSES, COMMERCE AND ECONOMIC DEVELOPMENT OF THE APALACHICOLA BAY AREA THROUGH VISITOR CENTER(S), WEBSITE, NEWSLETTERS, PUBLIC RELATIONS, PUBLIC ACTIVITIES AND EVENTS, VISITOR GUIDE AND PRESS ACTIVITIES.

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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 $197,759

Program Service Revenue $240,917

Investment Income $0

Other Revenue $15,732

TOTAL REVENUE $454,408

Expense Breakdown

Grants Paid $0

Salaries & Benefits $262,818

Fundraising Expenses $10,587

Other Expenses $169,963

TOTAL EXPENSES $432,781

Year-over-Year Comparison

	2023	2022	Change
Revenue	$454,408	$352,572	+0.3%
Expenses	$432,781	$345,882	+0.3%
Net Income	$21,627	$6,690	+2.2%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN SOLOMON	EXECUTIVE DI	40.00	Highest	$118,200	$0	$118,200
KRISTIN ANDERSON	DIRECTOR TO	0.25	Officer Director	$0	$0	$0
DONNA DUNCAN	PRESIDENT	0.50	Officer Director	$0	$0	$0
ANDREA DUVAL	DIRECTOR	0.25	Director	$0	$0	$0
DEBBIE FLOWERS	DIRECTOR	0.25	Director	$0	$0	$0
VIRGINIA B GRINER	DIRECTOR	0.25	Director	$0	$0	$0
JERRY HALL	TREASURER	0.50	Officer Director	$0	$0	$0
BONNIE KELLOG	DIRECTOR	0.25	Director	$0	$0	$0
MICHAEL KOUN	DIRECTOR	0.25	Director	$0	$0	$0
JEAN ULRICH	SECRETARY	0.50	Officer Director	$0	$0	$0
SARA WARD	DIRECTOR	0.25	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
2025	No data	No data	No data	No data
2024	$454,408	$432,781	$142,712	$21,627
2023	$352,572	$345,882	$142,634	$6,690
2022	$376,626	$435,597	$118,208	$-58,971
2021	$350,519	$333,723	$165,630	$16,796
2019	$310,341	$286,579	$220,363	$23,762
2018	$256,811	$207,570	$195,111	$49,241

APALACHICOLA BAY CHAMBER OF COMMERCE INC