NAVARRE BEACH AREA CHAMBER OF COMMERCE INC

EIN: 591652314

Navarre, FL

Total Revenue
$309,989
Total Expenses
$290,830
Total Assets
$676,434
Net Assets
$255,236
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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
FL
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.

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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%)

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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

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Governance

Voting Members
17
Independent Members
17
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
4
$0
Total Directors
14
$0
Key Employees
1
$60,577
Highest Compensated
0
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
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