PALM CITY CHAMBER OF COMMERCE

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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

1993

Legal Domicile

Principal Officer

MISSI CAMPBELL

Phone

7722868121

Tax Period

2023-01-01 to 2023-12-31

PALM CITY CHAMBER OF COMMERCE, founded in 1993, is a small nonprofit that reported $217K in total revenue in fiscal year 2023. Revenue surged 30% from the prior year, signaling strong growth momentum. Expenses of $190K left a modest 13% surplus.

Mission

TO PROMOTE THE BUSINESS COMMUNITY AS A WHOLE & BRING BUSINESS CONTACTS TOGETHER, AS WELL AS TO EDUCATE MEMBERS ON SOCIAL/HUMANITARIAN CONCERNS IN THE COMMUNITY AND PROVIDE NEWCOMERS TO THE AREA INFORMATION ON WHAT THE COMMUNITY HAS TO OFFER.

Program Service Accomplishments

Program 1

MEMBERSHIP IN THE CHAMBER PROVIDES ORGANIZATIONS KEEN INSIGHT INTO THE PALM CITY AND MARTIN COUNTY BUSINESS COMMUNITY, AND FACILITATES ACTIVE INVOLVEMENT WITH THE COMMUNITY, OTHER BUSINESSES...

MEMBERSHIP IN THE CHAMBER PROVIDES ORGANIZATIONS KEEN INSIGHT INTO THE PALM CITY AND MARTIN COUNTY BUSINESS COMMUNITY, AND FACILITATES ACTIVE INVOLVEMENT WITH THE COMMUNITY, OTHER BUSINESSES, VENDORS, AND RESIDENTS.

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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 $14,191

Program Service Revenue $143,156

Investment Income $2,028

Other Revenue $57,359

TOTAL REVENUE $216,734

Expense Breakdown

Grants Paid $369

Salaries & Benefits $118,355

Fundraising Expenses $0

Other Expenses $70,813

TOTAL EXPENSES $189,537

Year-over-Year Comparison

	2023	2022	Change
Revenue	$216,734	$167,232	+0.3%
Expenses	$189,537	$156,345	+0.2%
Net Income	$27,197	$10,887	+1.5%

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

$63,116

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
DON PIPES	PAST PRESIDENT	0.50	Officer Director	$0	$0	$0
PETER SICOLI	PRESIDENT ELECT	0.50	Officer Director	$0	$0	$0
MEGHAN SHIREY	VICE PRESIDENT	0.50	Officer Director	$0	$0	$0
DAVID BRADFORD	PRESIDENT	0.50	Officer Director	$0	$0	$0
TYSON WATERS	DIRECTOR	0.25	Director	$0	$0	$0
CHRISTINA FRANCO	DIRECTOR	0.25	Director	$0	$0	$0
REBECCA BECKETT	TREASURER	0.50	Officer Director	$0	$0	$0
MIKE GONZALEZ	DIRECTOR	0.25	Director	$0	$0	$0
CAROLYN LEIBOWITZ	DIRECTOR	0.25	Director	$0	$0	$0
PATRICK GLEASON	DIRECTOR	0.25	Director	$0	$0	$0
STEVE KLAASSEN	DIRECTOR	0.25	Director	$0	$0	$0
SHAUN PLYMALE	DIRECTOR	0.25	Director	$0	$0	$0
ROB MCLAUGHLIN	DIRECTOR	0.25	Director	$0	$0	$0
AMANDA FOSTER	DIRECTOR	0.25	Director	$0	$0	$0
DANIEL WADE	DIRECTOR	0.25	Director	$0	$0	$0
CHRIS COLLER	DIRECTOR	0.25	Director	$0	$0	$0
JAMES FITZGERALD	DIRECTOR	0.25	Director	$0	$0	$0
MISSI CAMPBELL	EXECUTIVE DIRECTOR	40.00	Officer	$63,116	$0	$63,116

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
2024	No data	No data	No data	No data
2023	$216,734	$189,537	$101,846	$27,197
2022	$167,232	$156,345	$99,038	$10,887
2021	$169,914	$186,978	$115,413	$-17,064
2020	$184,357	$167,264	$185,017	$17,093
2019	$166,031	$210,805	$77,607	$-44,774
2018	$160,497	$202,788	$121,458	$-42,291