Tavares Chamber of Commerce (EIN 590671879) - 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

1962

Legal Domicile

Principal Officer

David Dagostino

Tax Period

2022-01-01 to 2022-12-31

Tavares Chamber of Commerce, founded in 1962, is a micro nonprofit that reported $99K in total revenue in fiscal year 2022. Revenue fell 34% from the prior year — a significant decline worth monitoring. Expenses of $121K exceeded revenue, resulting in a 22% operating deficit.

Mission

Chamber of Commerce

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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 (2022)

Revenue Breakdown

Contributions & Grants $95,407

Program Service Revenue $0

Investment Income $3,658

Other Revenue $0

TOTAL REVENUE $99,065

Expense Breakdown

Grants Paid $0

Salaries & Benefits $79,301

Fundraising Expenses $0

Other Expenses $41,442

TOTAL EXPENSES $120,743

Year-over-Year Comparison

	2022	2021	Change
Revenue	$99,065	$149,948	-0.3%
Expenses	$120,743	$127,576	-0.1%
Net Income	$-21,678	$22,372	-2.0%

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 Riordan	Vice-Chair	10.00	Officer	$0	$0	$0
Erika Rogers	CEO	30.00	Officer	$0	$0	$0
David Dagostino	Chair	10.00	Officer	$0	$0	$0
Ileanne Buigas	Treasurer	10.00	Officer	$0	$0	$0
Cheryl Rumbley	Secretary	10.00	Officer	$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
2022	$99,065	$120,743	$129,305	$-21,678
2021	$149,948	$127,575	$169,708	$22,373
2020	$121,197	$138,203	$151,194	$-17,006
2019	$148,813	$135,352	$157,082	$13,461
2018	$126,082	$133,328	$143,621	$-7,246

Tavares Chamber of Commerce