The Gulf Breeze Area Chamber of Commerce Inc (EIN 592901259) - 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

1988

Legal Domicile

Phone

8509327888

Tax Period

2024-01-01 to 2024-12-31

The Gulf Breeze Area Chamber of Commerce Inc, founded in 1988, is a small nonprofit that reported $215K in total revenue in fiscal year 2024. Revenue grew 13% year-over-year, indicating healthy expansion. The organization ran a surplus of $40K, a strong 19% operating margin.

Mission

THE MISSION OF THE GULF BREEZE AREA CHAMBER OF COMMERCE IS TO DEVELOP AN ATTRACTIVE BUSINESS ENVIRONMENT THAT PROVIDES OPPORTUNITY FOR ECONOMIC GROWTH WHILE IMPROVING THE QUALITY OF LIFE AND ENHANCING THE STANDARD OF LIVING FOR THE ENTIRE GULF BREEZE AREA.

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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 $12,000

Program Service Revenue $197,015

Investment Income $9

Other Revenue $6,126

TOTAL REVENUE $215,150

Expense Breakdown

Grants Paid $0

Salaries & Benefits $97,388

Fundraising Expenses $0

Program Expenses $175,118

Other Expenses $77,730

TOTAL EXPENSES $175,118

Year-over-Year Comparison

	2024	2023	Change
Revenue	$215,150	$190,161	+0.1%
Expenses	$175,118	$166,404	+0.1%
Net Income	$40,032	$23,757	+0.7%

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

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Maggie Gray	Chairman	2.00	Officer Director	$0	$0	$0
Genna Anderson	Director	1.00	Director	$0	$0	$0
Tracy Beach	Treasurer	1.00	Director	$0	$0	$0
Christa Wilson	Past Chair	2.00	Officer Director	$0	$0	$0
Brandy Robinson	Secretary	1.00	Officer Director	$0	$0	$0
Natalie Goss	Director	1.00	Director	$0	$0	$0
Steve Clopton	Chairman Elect	2.00	Officer Director	$0	$0	$0
Cailyn Bodle	Director	1.00	Director	$0	$0	$0
Jeff Rouillier	Director	1.00	Director	$0	$0	$0
Susan Clark	Director	1.00	Director	$0	$0	$0
Dennis Remesch	Director	1.00	Director	$0	$0	$0
Louie Sanchez	Director	1.00	Director	$0	$0	$0
Grace Arneault	CEO	40.00	Highest	$62,547	$0	$62,547
Darra Flanagan	Director	1.00	Director	$0	$0	$0
Randy Hebert	Director	1.00	Director	$0	$0	$0
Kyle Schoolar	Director	1.00	Director	$0	$0	$0
Michelle Wise	Director	1.00	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
2024	$215,150	$175,118	$119,205	$40,032
2023	$190,161	$166,404	$79,145	$23,757
2022	$191,599	$164,161	$60,380	$27,438
2021	$205,505	$258,360	$30,878	$-52,855
2020	$124,451	$164,546	$85,359	$-40,095
2019	$174,234	$188,772	$66,662	$-14,538
2018	$227,032	$250,963	$81,770	$-23,931

The Gulf Breeze Area Chamber of Commerce Inc