THE KEY BISCAYNE CHAMBER OF COMMERCE INC (EIN 591163127) - 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

1957

Legal Domicile

Principal Officer

Robert Brookes

Phone

3053615207

Tax Period

2025-01-01 to 2025-12-31

THE KEY BISCAYNE CHAMBER OF COMMERCE INC, founded in 1957, is a small nonprofit that reported $219K in total revenue in fiscal year 2025. Revenue decreased 12% compared to the prior year.

Mission

The mission of the Key Biscayne Chamber of Commerce is to advance business success and member engagement in the Village of Key Biscayne and beyond while serving as a comprehensive resource center for local businesses.

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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 $162,301

Program Service Revenue $50,967

Investment Income $5,722

Other Revenue $0

TOTAL REVENUE $218,990

Expense Breakdown

Grants Paid $0

Salaries & Benefits $146,788

Fundraising Expenses $0

Program Expenses $0

Other Expenses $80,800

TOTAL EXPENSES $227,588

Year-over-Year Comparison

	2025	2024	Change
Revenue	$218,990	$248,317	-0.1%
Expenses	$227,588	$210,358	+0.1%
Net Income	$-8,598	$37,959	-1.2%

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

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
VIVIAN GALEGO - MENDEZ	CHAIR	2.00	Officer Director	$0	$0	$0
MARY TAGUE	VICE CHAIR	2.00	Officer Director	$0	$0	$0
ROBERT BROOKES	TREASURER	2.00	Officer Director	$0	$0	$0
JOE COOTE	SECRETARY	2.00	Officer Director	$0	$0	$0
MAYRA MESA	DIRECTOR	1.00	Director	$0	$0	$0
LINO CAMPOS	DIRECTOR	1.00	Director	$0	$0	$0
STEPHANNY NIETO	DIRECTOR	1.00	Director	$0	$0	$0
MARIA F TORRES	DIRECTOR	1.00	Director	$0	$0	$0
REINA GONZALEZ	DIRECTOR	1.00	Director	$0	$0	$0
ISABELLA GUKEISEN	DIRECTOR	1.00	Director	$0	$0	$0
MARILYN BORROTO	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS KASSNER	DIRECTOR	1.00	Director	$0	$0	$0
TATYANA CHIOCCHETTI	EXECUTIVE DIRECTOR	40.00	Key Emp	$0	$0	$0
JORGE BRITO	DIRECTOR	1.00	Director	$0	$0	$0
WIL RAMSEY	DIRECTOR	1.00	Director	$0	$0	$0
HAMID KESHVARI-RASTI MD	DIRECTOR	1.00	Director	$0	$0	$0
ALEJANDRO SERVALLI	DIRECTOR	1.00	Director	$0	$0	$0
MAIGUALIDA GARCIA	DIRECTOR	1.00	Director	$0	$0	$0
JUSTIN MILA	DIRECTOR	1.00	Director	$0	$0	$0
NORA CAMEJO	DIRECTOR	1.00	Director	$0	$0	$0
THANIA VERNON	DIRECTOR	1.00	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	$218,990	$227,588	$216,172	$-8,598
2024	$248,317	$210,358	$238,073	$37,959
2023	$245,211	$235,598	$209,735	$9,613
2022	$222,840	$216,971	$199,850	$5,869
2021	$191,464	$212,194	$223,681	$-20,730
2020	$224,103	$249,665	$259,864	$-25,562

THE KEY BISCAYNE CHAMBER OF COMMERCE INC