SAFETY HARBOR CHAMBER OF COMMERCE INC (EIN 591689299) - 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

1970

Legal Domicile

Principal Officer

CAMMIE LUMPKIN

Phone

7277262890

Tax Period

2023-10-01 to 2024-09-30

SAFETY HARBOR CHAMBER OF COMMERCE INC, founded in 1970, is a small nonprofit that reported $436K in total revenue in fiscal year 2023. The organization ran a surplus of $114K, a strong 26% operating margin.

Mission

TO PROMOTE THE CITY OF SAFETY HARBOR AND ITS 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 (2023)

Revenue Breakdown

Contributions & Grants $297,025

Program Service Revenue $0

Investment Income $6,677

Other Revenue $132,216

TOTAL REVENUE $435,918

Expense Breakdown

Grants Paid $0

Salaries & Benefits $163,044

Fundraising Expenses $0

Program Expenses $321,867

Other Expenses $158,823

TOTAL EXPENSES $321,867

Year-over-Year Comparison

	2023	2022	Change
Revenue	$435,918	$406,872	+0.1%
Expenses	$321,867	$300,733	+0.1%
Net Income	$114,051	$106,139	+0.1%

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
CHRISTOPHER BUSHEY	CHAIRMAN	5.00	Officer	$0	$0	$0
DAMON LISTER	TREASURER	5.00	Officer	$0	$0	$0
CAMMIE LUMPKIN	PRESIDENT &	20.00	Officer	$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	$435,918	$321,867	$493,462	$114,051
2023	$406,872	$300,733	$395,776	$106,139
2022	$310,670	$254,191	$375,083	$56,479
2021	$241,645	$210,478	$342,984	$31,167
2020	$183,922	$176,855	$300,900	$7,067
2019	$197,514	$202,860	$258,431	$-5,346
2018	$193,852	$199,958	$277,453	$-6,106

SAFETY HARBOR CHAMBER OF COMMERCE INC