CIVIC CHORALE OF GREATER MIAMI INC (EIN 592602894) - 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

1985

Legal Domicile

Principal Officer

RENE RAMOS

Phone

7868009149

Tax Period

2024-07-01 to 2025-06-30

CIVIC CHORALE OF GREATER MIAMI INC, founded in 1985, is a small nonprofit that reported $118K in total revenue in fiscal year 2024. Revenue decreased 12% compared to the prior year. The organization ran a surplus of $49K, a strong 41% operating margin.

Mission

The Civic Chorale of Greater Miami, a nonprofit community choir of local singers, presents diverse choral works.

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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 $68,871

Program Service Revenue $9,285

Investment Income $39,558

Other Revenue $0

TOTAL REVENUE $117,714

Expense Breakdown

Grants Paid $0

Salaries & Benefits $46,168

Fundraising Expenses $0

Program Expenses $2,912

Other Expenses $22,723

TOTAL EXPENSES $68,891

Year-over-Year Comparison

	2024	2023	Change
Revenue	$117,714	$134,079	-0.1%
Expenses	$68,891	$77,698	-0.1%
Net Income	$48,823	$56,381	-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

N/A

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

$21,861

Total Directors

$21,861

Key Employees

$40,828

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
MISTY BERMUDEZ	ARTISTIC DIRECTOR	10	Officer Director Key Emp	$21,861	$0	$21,861
JOSEPH TALLEDA	ACCOMPANIST	5	Key Emp	$9,013	$0	$9,013
MILAGROS CABRERA	ADMINISTRATIVE & MARKETING ASSIST	10	Key Emp	$9,954	$0	$9,954
LISA ESSERMAN	BOARD MEMBER AND SECRETARY	5	Director	$0	$0	$0
PASCALE DENIS	BOARD MEMBER	5	Director	$0	$0	$0
NATALIA OCHOA WEISSON	BOARD MEMBER	5	Director	$0	$0	$0
LISA BLACKWELDER	BOARD MEMBER	5	Director	$0	$0	$0
SAMUEL GONZALEZ	BOARD MEMBER	5	Director	$0	$0	$0
RENE RAMOS	BOARD MEMBER	5	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	$117,714	$68,891	$373,549	$48,823
2024	$134,079	$77,698	$324,526	$56,381
2023	$98,791	$75,129	$268,295	$23,662
2022	$94,425	$63,371	$244,138	$31,054
2021	$84,004	$44,589	$306,432	$39,415
2020	$42,775	$61,804	$267,996	$-19,029
2019	$36,838	$45,677	$274,126	$-8,839
2018	$50,808	$43,798	$274,209	$7,010

CIVIC CHORALE OF GREATER MIAMI INC