WAKULLA COUNTY CHAMBER OF COMMERCE (EIN 591907569) - 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

1975

Legal Domicile

Principal Officer

FRANK MESSERSMITH

Phone

8509261848

Tax Period

2025-01-01 to 2025-12-31

WAKULLA COUNTY CHAMBER OF COMMERCE, founded in 1975, is a small nonprofit in the Community Improvement sector that reported $153K in total revenue in fiscal year 2025. Expenses of $142K left a modest 7% surplus.

Mission

THE CHAMBER SHALL PROVIDE A FORUM TO FACILITATE AND BUILD RELATIONSHIPS AMONG BUSINESS OWNERS. TO FURTHER ASSIST BUSINESS AND COMMERCIAL INTEREST, THE CHAMBER SHALL: ADVANCE THE CIVIC AND COMMERICAL INTEREST OF THE AREA, PROMOTE THE GENERAL WELFARE AND PROSPERITY OF THE AREA, PROMOTE ECONONMIC PROGRAMS DESIGNED TO STRENGTHEN AND EXPAND THE INCOME POTENTIAL OF BUSINESSES WITHIN THE TRADE AREA, PROMOTE REASONABLE COMMUNITY GROWTH AND DEVELOPMENT, DISCOVER AND CORRECT FACTORS WHICH PREVENT THE PROMOTION OF BUSINESS AND COMMUNITY GROWTH AND PROVIDE INFORMATION IN ORDER TO FOSTER KNOWLEDGEABLE OPINIONS REGARDING RELEVANT COMMERCIAL AFFAIRS.

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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 $138,279

Program Service Revenue $37,743

Investment Income $10,381

Other Revenue $-33,878

TOTAL REVENUE $152,525

Expense Breakdown

Grants Paid $4,608

Salaries & Benefits $57,370

Fundraising Expenses $0

Program Expenses $135,407

Other Expenses $79,768

TOTAL EXPENSES $141,746

Year-over-Year Comparison

	2025	2024	Change
Revenue	$152,525	$158,063	0.0%
Expenses	$141,746	$136,282	+0.0%
Net Income	$10,779	$21,781	-0.5%

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
SHELLY BELL	TRUSTEE/DIRE	1.00	Director	$0	$0	$0
HEATHER BENTON	DIRECTOR	1.00	Director	$0	$0	$0
RAY BOLES	DIRECTOR EME	0.00	Director	$0	$0	$0
JOSH BROWN	DIRECTOR	1.00	Director	$0	$0	$0
SHAROL BROWN	DIRECTOR EME	0.00	Director	$0	$0	$0
STEVE BROWN	DIRECTOR EME	0.00	Director	$0	$0	$0
SARA CLARK	DIRECTOR	1.00	Director	$0	$0	$0
NOVELLA FRANKLIN	DIRECTOR	1.00	Director	$0	$0	$0
SCOTT GABY	DIRECTOR EME	0.00	Director	$0	$0	$0
MISSY GAINER	DIRECTOR	1.00	Director	$0	$0	$0
AMY GEIGER	DIRECTOR	1.00	Director	$0	$0	$0
DOUG GOVE	DIRECTOR	1.00	Director	$0	$0	$0
ANN HENSON	DIRECTOR	1.00	Director	$0	$0	$0
SHADRACH HINES	DIRECTOR	1.00	Director	$0	$0	$0
TONYA HOBBY	DIRECTOR	1.00	Director	$0	$0	$0
GREG JAMES	TRUSTEE/DIRE	1.00	Director	$0	$0	$0
DELANO JOHNSON	DIRECTOR EME	0.00	Director	$0	$0	$0
TIM JORDAN	DIRECTOR EME	0.00	Director	$0	$0	$0
SAMANTHA MORSE	DIRECTOR	1.00	Director	$0	$0	$0
LINDA OAKS	DIRECTOR	1.00	Director	$0	$0	$0
TANNER PAFFORD	DIRECTOR	1.00	Director	$0	$0	$0
RACHEL PIENTA	DIRECTOR	1.00	Director	$0	$0	$0
HEATHER ROBISON	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS RUSSELL	DIRECTOR	1.00	Director	$0	$0	$0
STEVEN SANABRIA	DIRECTOR	1.00	Director	$0	$0	$0
JOHN SHUFF	DIRECTOR EME	0.00	Director	$0	$0	$0
KIERSTEN SMITH	DIRECTOR	1.00	Director	$0	$0	$0
KIERSTEN SMITH	DIRECTOR	1.00	Director	$0	$0	$0
MEGAN SMITH	PRESIDENT EL	1.00	Director	$0	$0	$0
WILLIAM SNOWDEN	DIRECTOR	1.00	Director	$0	$0	$0
ROCHELLE THAYER	DIRECTOR	1.00	Director	$0	$0	$0
SUSAN PAYNE TURNER	DIRECTOR EME	0.00	Director	$0	$0	$0
KEVIN VAUGHN	DIRECTOR	1.00	Director	$0	$0	$0
MARY WALLACE	DIRECTOR	1.00	Director	$0	$0	$0
LESLIE WEISS	DIRECTOR	1.00	Director	$0	$0	$0
JEANIE BOOTH	PAST PRESIDE	1.00	Officer	$0	$0	$0
KATIETAFF	SECRETARY	1.00	Officer	$0	$0	$0
FRANK MESSERSMITH	PRESIDENT	2.00	Officer	$0	$0	$0
NIRAJ PATEL	VICE PRESENT	1.00	Officer	$0	$0	$0
JESSICA REVELL	TREASURER	2.00	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	$152,525	$141,746	$1,245,863	$10,779
2024	$158,063	$136,282	$1,206,842	$21,781
2023	$159,017	$133,966	$1,188,111	$25,051
2022	$151,185	$112,771	$1,161,516	$38,414
2021	$116,723	$99,298	$1,123,289	$17,425
2020	$117,462	$83,761	$1,103,994	$33,701
2019	$120,744	$92,212	$1,070,473	$28,532
2018	$101,411	$88,499	$1,041,978	$12,912

WAKULLA COUNTY CHAMBER OF COMMERCE