LOWER KEYS CHAMBER OF COMMERCE (EIN 591035427) - 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

1963

Legal Domicile

Principal Officer

TINA GEIDE

Phone

3056191877

Tax Period

2024-01-01 to 2024-12-31

LOWER KEYS CHAMBER OF COMMERCE, founded in 1963, is a small nonprofit that reported $266K in total revenue in fiscal year 2024.

Mission

A VOLUNTARY PARTNERSHIP OF BUSINESS AND PROFESSIONAL PEOPLE WORKING TOGETHER TO BUILD A HEALTHY ECONOMY AND IMPROVE THE QUALITY OF LIFE IN THE LOWER KEYS.

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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 $128,823

Program Service Revenue $133,502

Investment Income $3,646

Other Revenue $5

TOTAL REVENUE $265,976

Expense Breakdown

Grants Paid $0

Salaries & Benefits $124,564

Fundraising Expenses $0

Other Expenses $156,461

TOTAL EXPENSES $281,025

Year-over-Year Comparison

	2024	2023	Change
Revenue	$265,976	$270,478	0.0%
Expenses	$281,025	$280,538	+0.0%
Net Income	$-15,049	$-10,060	+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

N/A

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

$60,017

Total Directors

$60,017

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Steve Miller	Executive Dir.	40.00	Officer Director	$60,017	$0	$60,017
HEIDI MORRIS	President	10.00	Officer	$0	$0	$0
TINA GEIDE	Treasurer	8.00	Officer	$0	$0	$0
DEE DEE VAUGHN	Secretary	8.00	Officer	$0	$0	$0
KEITH HUGHES	Vice President	8.00	Officer	$0	$0	$0
LESLIE VALANT	PRESIDENT	0.00		$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	$265,976	$281,025	$227,333	$-15,049
2023	$270,478	$280,538	$242,319	$-10,060
2022	$235,266	$249,045	$252,602	$-13,779
2021	$209,589	$225,199	$265,942	$-15,610
2020	$210,484	$242,622	$283,275	$-32,138
2019	$273,638	$267,259	$313,196	$6,379
2018	$205,022	$195,587	$296,314	$9,435

LOWER KEYS CHAMBER OF COMMERCE