NAVARRE BEACH AREA CHAMBER OF COMM… - Form 990 Financial Data

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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

1975

Legal Domicile

Principal Officer

Andrew Rowe

Phone

8509393267

Tax Period

2024-01-01 to 2024-12-31

NAVARRE BEACH AREA CHAMBER OF COMMERCE INC, founded in 1975, is a small nonprofit that reported $310K in total revenue in fiscal year 2024. Revenue grew 9% year-over-year, indicating healthy expansion. Expenses of $291K left a modest 6% surplus.

Mission

WE ARE DEDICATED TO OUR MISSION OF CONNECTING THE COMMUNITY TO BUSINESSES WHILE ADVOCATING WITH HONESTY, INTEGRITY AND LEADERSHIP.

Program Service Accomplishments

Program 1

THE CHAMBER MAINTAINS AN OFFICE IN NAVARRE STAFFED BY TWO EMPLOYEES. THE STAFF ANSWERS INQUIRIES FROM INDIVIDUALS WITH QUESTIONS ABOUT LOCAL BUSINESSES AND EVENTS AND GIVES OUT RELOCATION PACKAGES TO THOSE INTERESTED IN MOVING TO THE AREA. SPACE IS PROVIDED FOR REPRESENTATIVES FROM THE FLORIDA SMALL BUSINESS DEVELOPMENT CENTER AT UNIVERSITY OF WEST FLORIDA TO PROVIDE ONE-TO-ONE BUSINESS ASSISTANCE.

Program 2

THE CHAMBER MAINTAINS AN ONLINE DIRECTORY AND CALENDAR THAT INCLUDE ALL CHAMBER MEMBERS AND A CALENDAR OF ACTIVITIES. THIS INFORMATION IS AVAILABLE ON THE CHAMBERS WEBSITE TO MEMBERS AND PERSONS...

THE CHAMBER MAINTAINS AN ONLINE DIRECTORY AND CALENDAR THAT INCLUDE ALL CHAMBER MEMBERS AND A CALENDAR OF ACTIVITIES. THIS INFORMATION IS AVAILABLE ON THE CHAMBERS WEBSITE TO MEMBERS AND PERSONS INQUIRING ABOUT THE AREA.

Program 3

MONTHLY BUSINESS MEETINGS AND EVENTS SPONSORED BY MEMBERS PROVIDE INFORMATION TO THE MEMBERSHIP ABOUT LOCAL BUSINESSES AND THE COMMUNITY. ALL OF THE ITEMS LISTED PROVIDE A WAY FOR THE CHAMBER TO...

MONTHLY BUSINESS MEETINGS AND EVENTS SPONSORED BY MEMBERS PROVIDE INFORMATION TO THE MEMBERSHIP ABOUT LOCAL BUSINESSES AND THE COMMUNITY. ALL OF THE ITEMS LISTED PROVIDE A WAY FOR THE CHAMBER TO PROMOTE ITS MEMBERS AND THE 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 $112,690

Program Service Revenue $162,698

Investment Income $4,106

Other Revenue $30,495

TOTAL REVENUE $309,989

Expense Breakdown

Grants Paid $0

Salaries & Benefits $94,357

Fundraising Expenses $0

Other Expenses $196,473

TOTAL EXPENSES $290,830

Year-over-Year Comparison

	2024	2023	Change
Revenue	$309,989	$283,337	+0.1%
Expenses	$290,830	$259,433	+0.1%
Net Income	$19,159	$23,904	-0.2%

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

250

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

$60,577

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
BRIDGET HOUSE	CHAIR	2.00	Officer	$0	$0	$0
ANDREW ROWE	CHAIR ELECT	2.00	Officer	$0	$0	$0
STEVE RHODES	PAST CHAIR	2.00	Officer	$0	$0	$0
JEREMY CARVER	TREASURER	2.00	Officer	$0	$0	$0
BRIAN BERNARDO	DIRECTOR	1.00	Director	$0	$0	$0
CINDY BERRY	DIRECTOR	1.00	Director	$0	$0	$0
BRENDA KAY HAMMEL	DIRECTOR	1.00	Director	$0	$0	$0
TRACY BRAGG	DIRECTOR	1.00	Director	$0	$0	$0
JUSTINE LAFOND	DIRECTOR	1.00	Director	$0	$0	$0
NICK MCMELLON	DIRECTOR	1.00	Director	$0	$0	$0
CHANDA RYAN	EXECUTIVE DIRECTOR	40.00	Key Emp	$60,577	$0	$60,577
TERRY LIGHT	DIRECTOR	1.00	Director	$0	$0	$0
ALLEN MILLER	DIRECTOR	1.00	Director	$0	$0	$0
GRETCHEN LUDWIG	DIRECTOR	1.00	Director	$0	$0	$0
BRENDA STOKES	DIRECTOR	1.00	Director	$0	$0	$0
SYLVIA TARNUZZER	DIRECTOR	1.00	Director	$0	$0	$0
KENT VANCIL	DIRECTOR	1.00	Director	$0	$0	$0
LIZ WEST	DIRECTOR	1.00	Director	$0	$0	$0
MATT SIMPSON	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	No data	No data	No data	No data
2024	$309,989	$290,830	$676,434	$19,159
2023	$283,337	$259,433	$644,362	$23,904
2022	$261,048	$225,030	$653,644	$36,018
2021	$215,241	$176,106	$644,077	$39,135
2020	$176,485	$134,447	$629,040	$42,038
2019	$227,770	$157,758	$590,072	$70,012
2018	$194,793	$206,018	$24,920	$-11,225

NAVARRE BEACH AREA CHAMBER OF COMMERCE INC