Sebastian River Area Chamber of Commerce Inc (EIN 590833568) - 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

1958

Legal Domicile

Phone

7725895969

Tax Period

2024-10-01 to 2025-09-30

Sebastian River Area Chamber of Commerce Inc, founded in 1958, is a small nonprofit that reported $506K in total revenue in fiscal year 2024. Expenses of $490K left a modest 3% surplus.

Mission

The Organization was incorporated in February, 1958, and it was established to promote the civic, economic, and social welfare of the people in the Sebastian River Area; primarily, Business/Community development.

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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 (2024)

Revenue Breakdown

Contributions & Grants $363,150

Program Service Revenue $70,674

Investment Income $3,316

Other Revenue $68,783

TOTAL REVENUE $505,923

Expense Breakdown

Grants Paid $0

Salaries & Benefits $287,006

Fundraising Expenses $0

Program Expenses $288,438

Other Expenses $202,700

TOTAL EXPENSES $489,706

Year-over-Year Comparison

	2024	2023	Change
Revenue	$505,923	$484,860	+0.0%
Expenses	$489,706	$468,148	+0.0%
Net Income	$16,217	$16,712	0.0%

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

200

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

$48,750

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Cheryl Thibault	Former CEO	40.00	Officer	$48,750	$0	$48,750
Captain Scott Cox	Director	2.00	Director	$0	$0	$0
Kirk Funnell	Secretary	2.00	Officer Director	$0	$0	$0
Robin Raiff	Chairman	2.00	Director	$0	$0	$0
Nichole Johanson	Director	2.00	Director	$0	$0	$0
Paul Gray	Director	2.00	Director	$0	$0	$0
Lori McCormick	Director	2.00	Director	$0	$0	$0
Michael Natale	Director	2.00	Director	$0	$0	$0
Nicki Maslin	Director	2.00	Director	$0	$0	$0
Britney Melchiori	President & CEO	2.00	Officer Director	$0	$0	$0
Marc Gingras	Treasurer	2.00	Officer Director	$0	$0	$0
Dani Pulido	Vice Chairman	2.00	Director	$0	$0	$0
Jurgen Schwanitz	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
2025	$505,923	$489,706	$391,718	$16,217
2024	$484,860	$468,148	$383,475	$16,712
2023	$391,425	$371,997	$360,783	$19,428
2022	$340,378	$294,678	$345,867	$45,700
2021	$269,255	$230,883	$316,486	$38,372
2020	$269,474	$300,959	$246,289	$-31,485
2019	$293,109	$360,526	$290,209	$-67,417

Sebastian River Area Chamber of Commerce Inc