SANIBEL CAPTIVA ISLANDS CHAMBER OF COMMERCE INC (EIN 591146636) - 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

1962

Legal Domicile

Principal Officer

JOHN LAI

Phone

2394721080

Tax Period

2024-01-01 to 2024-12-31

SANIBEL CAPTIVA ISLANDS CHAMBER OF COMMERCE INC, founded in 1962, is a small nonprofit in the Community Improvement sector that reported $542K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. Expenses of $610K exceeded revenue, resulting in a 12% operating deficit.

Mission

TO PROMOTE THE PROSPERITY OF OUR MEMBERS AND PRESERVE THE QUALITY OF LIFE IN OUR COMMUNITY.

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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 $481,351

Program Service Revenue $58,560

Investment Income $0

Other Revenue $2,218

TOTAL REVENUE $542,129

Expense Breakdown

Grants Paid $0

Salaries & Benefits $414,630

Fundraising Expenses $0

Other Expenses $195,016

TOTAL EXPENSES $609,646

Year-over-Year Comparison

	2024	2023	Change
Revenue	$542,129	$479,017	+0.1%
Expenses	$609,646	$447,807	+0.4%
Net Income	$-67,517	$31,210	-3.2%

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

N/A

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

$159,816

Total Directors

$159,816

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JOHN LAI	PRESIDENT & CEO	40.00	Officer Director	$159,816	$0	$159,816
JEREMY WALSH	DIRECTOR	0.50	Director	$0	$0	$0
MELISSA RICE	DIRECTOR	0.50	Director	$0	$0	$0
JOEL GOODMAN	DIRECTOR	0.50	Director	$0	$0	$0
BRIAN KAUTZ	DIRECTOR	0.50	Director	$0	$0	$0
CALI JOHNSON	CHAIRMAN	0.50	Officer Director	$0	$0	$0
MARK BLUST	DIRECTOR	0.50	Director	$0	$0	$0
MICHELE BERGER	DIRECTOR	0.50	Director	$0	$0	$0
RON CLAYTON	TREASURER	0.50	Officer Director	$0	$0	$0
JR RAMIREZ	DIRECTOR	0.50	Director	$0	$0	$0
KATY FORRET	DIRECTOR	0.50	Director	$0	$0	$0
ROBERT MONK	DIRECTOR	0.50	Director	$0	$0	$0
DAVID LOWDEN	DIRECTOR	0.50	Director	$0	$0	$0
PATIENCE RODRIGUEZ	DIRECTOR	0.50	Director	$0	$0	$0
SAMATHA WILSON	DIRECTOR	0.50	Director	$0	$0	$0
MICHAEL NACHEF	DIRECTOR	0.50	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	$542,129	$609,646	$721,200	$-67,517
2023	$479,017	$447,807	$662,049	$31,210
2022	$212,335	$392,733	$520,675	$-180,398
2021	$412,210	$447,019	$390,798	$-34,809
2020	$274,154	$428,123	$398,124	$-153,969
2019	$298,712	$403,732	$303,686	$-105,020
2018	$305,465	$438,435	$407,873	$-132,970

SANIBEL CAPTIVA ISLANDS CHAMBER OF COMMERCE INC