GREATER PALM HARBOR AREA CHAMBER OF COMMERCE INC (EIN 591791848) - 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

1978

Legal Domicile

Principal Officer

JOE SWETT

Phone

7277844287

Tax Period

2024-10-01 to 2025-09-30

GREATER PALM HARBOR AREA CHAMBER OF COMMERCE INC, founded in 1978, is a small nonprofit that reported $207K in total revenue in fiscal year 2024. Revenue surged 37% from the prior year, signaling strong growth momentum.

Mission

SUPPORT THE BUSINESS COMMUNITY BY PROVIDING EDUCATIONAL PROGRAMS AND NETWORKING OPPORTUNITIES FOR MEMBERS AND COMMUNITY EVENTS FOR THE COMMUNITY AT LARGE.

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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 $43,836

Program Service Revenue $49,625

Investment Income $0

Other Revenue $113,474

TOTAL REVENUE $206,935

Expense Breakdown

Grants Paid $0

Salaries & Benefits $94,017

Fundraising Expenses $0

Other Expenses $107,244

TOTAL EXPENSES $201,261

Year-over-Year Comparison

	2024	2023	Change
Revenue	$206,935	$150,832	+0.4%
Expenses	$201,261	$160,494	+0.3%
Net Income	$5,674	$-9,662	-1.6%

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

N/A

Employees

Volunteers

N/A

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
JOE SWETT	CHAIRMAN OF	5.00	Officer Director	$0	$0	$0
NANCY STOLBOM	CHAIR ELECT	5.00	Officer Director	$0	$0	$0
MELISSA MENIKHEIM	TREASURER	5.00	Officer Director	$0	$0	$0
REGGIE GIBSON	SECRETARY	5.00	Officer Director	$0	$0	$0
JOHN ALFE	BOARD MEMBER	5.00	Director	$0	$0	$0
AUSTEN AVERBECK	BOARD MEMBER	5.00	Director	$0	$0	$0
LACY EMPKEY	BOARD MEMBER	5.00	Director	$0	$0	$0
JEFF GORDDARD	BOARD MEMBER	5.00	Director	$0	$0	$0
BRANDON KELTER	BOARD MEMBER	5.00	Director	$0	$0	$0
DUSTIN LAYTON	BOARD MEMBER	5.00	Director	$0	$0	$0
DAVID VARGAS	BOARD MEMBER	5.00	Director	$0	$0	$0
MATTHEW MENNENGA	PRESIDENT	40.00	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	$206,935	$201,261	$253,048	$5,674
2024	$150,832	$160,494	$253,673	$-9,662
2023	$238,259	$242,713	$284,441	$-4,454
2022	$197,376	$211,796	$293,082	$-14,420
2021	$157,303	$170,723	$260,615	$-13,420
2021	$157,303	$153,145	$286,803	$4,158
2020	$138,322	$148,200	$272,556	$-9,878
2019	$184,071	$198,252	$203,837	$-14,181
2018	$235,969	$202,008	$201,754	$33,961

GREATER PALM HARBOR AREA CHAMBER OF COMMERCE INC