PENSACOLA BEACH CHAMBER OF COMMERCE (EIN 592918198) - 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

Principal Officer

MARGARET PELTIER

Phone

8509321500

Tax Period

2023-01-01 to 2023-12-31

PENSACOLA BEACH CHAMBER OF COMMERCE, founded in 1988, is a small nonprofit that reported $402K in total revenue in fiscal year 2023. Revenue surged 40% from the prior year, signaling strong growth momentum.

Mission

DEVELOPMENT OF COMMERCE ON PENSACOLA BEACH

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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 $288,199

Program Service Revenue $104,576

Investment Income $6,765

Other Revenue $2,040

TOTAL REVENUE $401,580

Expense Breakdown

Grants Paid $461

Salaries & Benefits $157,800

Fundraising Expenses $0

Other Expenses $254,870

TOTAL EXPENSES $413,131

Year-over-Year Comparison

	2023	2022	Change
Revenue	$401,580	$286,698	+0.4%
Expenses	$413,131	$298,412	+0.4%
Net Income	$-11,551	$-11,714	0.0%

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

138

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
AILEAIAH CLARKE	CHAIRMAN	1.00	Officer	$0	$0	$0
RHEA KESSLER	VICE CHAIRMAN	1.00	Officer	$0	$0	$0
CATHY HENDRIX	TREASURER	1.00	Officer	$0	$0	$0
FAY SUITE	SECRETARY	1.00	Officer	$0	$0	$0
DEANDRA HOLCOMB	DIRECTOR	1.00	Director	$0	$0	$0
JOSH LUCKING	DIRECTOR	1.00	Director	$0	$0	$0
CHERYL MANISCALCO	DIRECTOR	1.00	Director	$0	$0	$0
VINCENT MATASSA	DIRECTOR	1.00	Director	$0	$0	$0
DAWN NOVY	DIRECTOR	1.00	Director	$0	$0	$0
DR NISARG PARIKH	DIRECTOR	1.00	Director	$0	$0	$0
CHARLENE POWELL	DIRECTOR	1.00	Director	$0	$0	$0
JUSTON TAKACS	PAST CHAIR	1.00	Director	$0	$0	$0
KYRA SMITH	EX-OFFICIO	1.00	Director	$0	$0	$0
MARGARET PELTIER	PRESIDENT/CEO	40.00	Officer Key Emp	$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	No data	No data	No data	No data
2023	$401,580	$413,131	$235,195	$-11,551
2022	$286,698	$298,412	$246,746	$-11,714
2021	$251,641	$246,968	$258,463	$4,673
2020	$205,722	$203,892	$253,789	$1,830
2019	$298,325	$265,594	$251,959	$32,731
2018	$275,031	$254,059	$218,774	$20,972

PENSACOLA BEACH CHAMBER OF COMMERCE