THE WINTER HAVEN CHAMBER

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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

1980

Legal Domicile

Principal Officer

REBECCA A CLEVELAND

Phone

8632932138

Tax Period

2024-10-01 to 2025-09-30

THE WINTER HAVEN CHAMBER, founded in 1980, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $83K in total revenue in fiscal year 2024. Expenses of $109K exceeded revenue, resulting in a 31% operating deficit.

Mission

TO ADVANCE THE GENERAL WELFARE AND PROSPERITY OF THE WINTER HAVEN AREA.

Program Service Accomplishments

Program 1

Expenses: $30,398 Revenue: $47,008

PARTICIPANTS LEARN ABOUT THE ASSETS, OPPORTUNITIES, CHALLENGES AND NEEDS WITHIN THE COMMUNITY.

Program 2

Expenses: $2,095 Revenue: $16,566

YOUNG PROFESSIONALS ASSISTS WITH PROFESSIONALS AGE 21-42 TO DEVELOP THEIR CAREER, LEARN ABOUT THE COMMUNITY, AND DEVELOP PROFESSIONALLY.

Program 3

Expenses: $31,909 Revenue: $11,884

EDUCATIONAL PROGRAMS TO ASSIST WITH ECONOMIC DEVELOPMENT, LEADERSHIP DEVELOPMENT, AND COMMUNITY BEAUTIFICATION.

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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 $3,771

Program Service Revenue $75,458

Investment Income $3,906

Other Revenue $0

TOTAL REVENUE $83,135

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $64,402

Other Expenses $109,087

TOTAL EXPENSES $109,087

Year-over-Year Comparison

	2024	2023	Change
Revenue	$83,135	$83,212	0.0%
Expenses	$109,087	$134,266	-0.2%
Net Income	$-25,952	$-51,054	-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

N/A

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
BETSY CLEVELAND	PRES./CEO/SEC	1	Officer	$0	$0	$0
ALEX SANTIAGO	CHAIR	1	Officer	$0	$0	$0
N/A	TREASURER	1	Officer	$0	$0	$0
N/A	DIRECTOR	1	Director	$0	$0	$0
N/A	DIRECTOR	1	Director	$0	$0	$0
KEVIN CARR	DIRECTOR	1	Director	$0	$0	$0
N/A	DIRECTOR	1	Director	$0	$0	$0
NICK PLOTT	DIRECTOR	1	Director	$0	$0	$0
AMY THOMPSON UNDERWOOD	PAST CHAIR	1	Officer	$0	$0	$0
RYAN WILLIAMSON	DIRECTOR	1	Director	$0	$0	$0
TABITHA SHIRAH	DIRECTOR	1	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	$83,135	$109,087	$171,970	$-25,952
2024	$83,212	$134,266	$198,187	$-51,054
2023	$267,388	$130,487	$272,800	$136,901