TAMPA BAY BEACHES CHAMBER OF COMMERCE INC (EIN 590869802) - 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

1989

Legal Domicile

Principal Officer

CHARLES JUSTICE

Phone

7273606957

Tax Period

2025-01-01 to 2025-12-31

TAMPA BAY BEACHES CHAMBER OF COMMERCE INC, founded in 1989, is a small nonprofit that reported $640K in total revenue in fiscal year 2025. Revenue decreased 18% compared to the prior year. Expenses of $608K left a modest 5% surplus.

Mission

THE CHAMBER OF COMMERCE'S MISSION IS TO SUPPORT TOURISM RELATED BUSINESSES WHO USE THE CHAMBER TO PROMOTE THE LOCAL AREA AND THEIR COMPANIES, IN ADDITION TO SUPPORTING SERVICE RELATED BUSINESSES WHO USE THE CHAMBER AS A MEANS OF NETWORKING WITHIN THE LOCAL BUSINESS COMMUNITY. THIS ALLOWS SERVICE RELATED BUSINESSES TO IDENTIFY POTENTIAL CUSTOMERS AND BUSINESS PARTNERS.

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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 $96,731

Program Service Revenue $444,150

Investment Income $2,158

Other Revenue $96,874

TOTAL REVENUE $639,913

Expense Breakdown

Grants Paid $0

Salaries & Benefits $346,838

Fundraising Expenses $0

Other Expenses $261,427

TOTAL EXPENSES $608,265

Year-over-Year Comparison

	2025	2024	Change
Revenue	$639,913	$779,646	-0.2%
Expenses	$608,265	$690,071	-0.1%
Net Income	$31,648	$89,575	-0.6%

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

$110,346

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHARLES JUSTICE	CEO	40.00	Officer	$110,346	$0	$110,346
CATHY CLAESSON	DIRECTOR	1.00	Director	$0	$0	$0
MATTHEW DAHM	PAST CHAIR	1.00	Director	$0	$0	$0
NIGEL DUFFETT	DIRECTOR	1.00	Director	$0	$0	$0
BRIAN FORD	DIRECTOR	1.00	Director	$0	$0	$0
LISA GREENWOOD	DIRECTOR	1.00	Director	$0	$0	$0
LIBBY HOCTOR	DIRECTOR	1.00	Director	$0	$0	$0
OLIVER KUGLER	DIRECTOR	1.00	Director	$0	$0	$0
LAURIE LAURENTY	DIRECTOR	1.00	Director	$0	$0	$0
DENISE MACLEOD	DIRECTOR	1.00	Director	$0	$0	$0
MORGAN MANDELKER	DIRECTOR	1.00	Director	$0	$0	$0
JUDY MOCKABEE	DIRECTOR	1.00	Director	$0	$0	$0
KELLY MOSER	DIRECTOR	1.00	Director	$0	$0	$0
TERRY POPELKA	DIRECTOR	1.00	Director	$0	$0	$0
ADRIAN ROBBINS	DIRECTOR	1.00	Director	$0	$0	$0
DEBRA SCHWEIKOWSKY	DIRECTOR	1.00	Director	$0	$0	$0
SHELLY STARKS	DIRECTOR	1.00	Director	$0	$0	$0
CEDRIC WILSON	DIRECTOR	1.00	Director	$0	$0	$0
BRENT BURISH	GOVT CHAIR	1.00	Officer	$0	$0	$0
TIM JOHNSON	CHAIR	1.00	Officer	$0	$0	$0
MICHAEL MORETTI	TREASURER	1.00	Officer	$0	$0	$0
SCOTT O'BERRY	PAST CHAIR	1.00	Officer	$0	$0	$0
VICTORIA WALLER	CHAIR ELECT	1.00	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
2025	$639,913	$608,265	$428,259	$31,648
2024	No data	No data	No data	No data
2023	$653,360	$696,742	$340,210	$-43,382
2022	$596,739	$665,871	$408,118	$-69,132
2021	$652,165	$567,002	$455,645	$85,163
2020	$555,412	$500,453	$362,500	$54,959

TAMPA BAY BEACHES CHAMBER OF COMMERCE INC