Jensen Beach Chamber of Commerce Inc (EIN 590682897) - 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

1966

Legal Domicile

Principal Officer

Ronald Rose

Phone

7723343444

Tax Period

2025-01-01 to 2025-12-31

Jensen Beach Chamber of Commerce Inc, founded in 1966, is a small nonprofit that reported $213K in total revenue in fiscal year 2025. Revenue surged 28% from the prior year, signaling strong growth momentum. Expenses of $236K exceeded revenue, resulting in a 11% operating deficit.

Mission

The Jensen Beach Chamber of Commerce stands as the advocate for the development of the business community, tourism and resource center that promotes member success.

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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 (2025)

Revenue Breakdown

Contributions & Grants $15,527

Program Service Revenue $178,768

Investment Income $1,428

Other Revenue $17,190

TOTAL REVENUE $212,913

Expense Breakdown

Grants Paid $0

Salaries & Benefits $159,206

Fundraising Expenses $0

Program Expenses $39,823

Other Expenses $77,046

TOTAL EXPENSES $236,252

Year-over-Year Comparison

	2025	2024	Change
Revenue	$212,913	$166,525	+0.3%
Expenses	$236,252	$182,089	+0.3%
Net Income	$-23,339	$-15,564	+0.5%

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

110

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
Nick Darley	Director	1.00	Officer Director	$0	$0	$0
Misty Moody	Past Board Chair	1.00	Officer Director	$0	$0	$0
Doug Poole	Board Vice Chair	1.00	Officer Director	$0	$0	$0
Linda Fitzpatrick	Director	1.00	Officer Director	$0	$0	$0
Elaine Hirsch	Board Secretary	1.00	Officer Director	$0	$0	$0
Debbie Banta	Director	1.00	Director	$0	$0	$0
Tammy Crouse	Director	1.00	Director	$0	$0	$0
Vincent Franco	Director	1.00	Director	$0	$0	$0
Ed Griffith	Director	1.00	Director	$0	$0	$0
Eric Ingraham	Director	1.00	Director	$0	$0	$0
James Riccio	Director	1.00	Director	$0	$0	$0
David Mingace	Board Chair	1.00	Director	$0	$0	$0
Niki Norton	Director	1.00	Director	$0	$0	$0
Keith Odza	Boart Treasurer	1.00	Director	$0	$0	$0
Amy Whitlach	Director	1.00	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
2025	$212,913	$236,252	$130,290	$-23,339
2024	No data	No data	No data	No data
2023	No data	No data	No data	No data
2022	$198,066	$221,711	$183,284	$-23,645
2021	$218,234	$203,368	$206,919	$14,866
2020	$195,693	$172,109	$184,678	$23,584
2019	$234,206	$203,187	$161,445	$31,019
2018	$240,560	$205,569	$157,858	$34,991

Jensen Beach Chamber of Commerce Inc