ISLAMORADA CHAMBER OF COMMERCE INC

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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

SARA STANCZYK

Phone

3056644503

Tax Period

2023-01-01 to 2023-12-31

ISLAMORADA CHAMBER OF COMMERCE INC, founded in 1962, is a small nonprofit that reported $681K in total revenue in fiscal year 2023. Revenue grew 16% year-over-year, indicating healthy expansion.

Mission

PROVIDING SERVICES TO MEMBERS OF THE CHAMBER AND TO THE COMMUNITY WHICH PROMOTE THE ECONOMIC AND CIVIC WELFARE OF THE ISLAMORADA, FLORIDA AREA

Program Service Accomplishments

Program 1

Expenses: $276,513

OPERATING BUSINESS LEAGUE IN ISLAMORADA FLORIDA AND SURROUNDING COMMUNITIES

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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 $482,150

Program Service Revenue $186,530

Investment Income $12,143

Other Revenue $0

TOTAL REVENUE $680,823

Expense Breakdown

Grants Paid $0

Salaries & Benefits $257,483

Fundraising Expenses $218,321

Program Expenses $276,513

Other Expenses $463,805

TOTAL EXPENSES $721,288

Year-over-Year Comparison

	2023	2022	Change
Revenue	$680,823	$588,950	+0.2%
Expenses	$721,288	$601,202	+0.2%
Net Income	$-40,465	$-12,252	+2.3%

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

N/A

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
JAMES CORDELL	DIRECTOR	N/A	Director	$0	$0	$0
ADRIANA CUOMO	PRESIDENT -	N/A	Officer Director	$0	$0	$0
KENNY GENTES	SECRETARY	N/A	Officer Director	$0	$0	$0
JOSEPH ROTH JR	TREASURER	N/A	Officer Director	$0	$0	$0
CRAIG MCBAY	PAST - PRESI	N/A	Officer Director	$0	$0	$0
CLAIRE MONTANG	DIRECTOR	N/A	Director	$0	$0	$0
JACK NIEDBALSKI	DIRECTOR	N/A	Director	$0	$0	$0
ALLAN POPE	DIRECTOR	N/A	Director	$0	$0	$0
SARA STANCZYK	PRESIDENT	N/A	Officer Director	$0	$0	$0
ROBERT STOBER	DIRECTOR	N/A	Director	$0	$0	$0
TAMMY VIERGUTZ	DIRECTOR	N/A	Director	$0	$0	$0
ISIS WRIGHT	DIRECTOR	N/A	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
2024	No data	No data	No data	No data
2023	$680,823	$721,288	$938,252	$-40,465
2022	$588,950	$601,202	$996,044	$-12,252
2021	$505,022	$445,469	$1,014,819	$59,553
2020	$409,144	$419,053	$914,699	$-9,909
2019	$611,352	$611,440	$837,627	$-88
2019	$627,500	$627,500	$858,759	No data
2018	$611,720	$596,710	$875,213	$15,010
2018	$587,454	$594,873	$851,325	$-7,419