PERDIDO KEY AREA CHAMBER OF COMMERCE (EIN 592993049) - 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

1983

Legal Domicile

Principal Officer

TAMMY THUROW

Phone

8504924660

Tax Period

2023-07-01 to 2024-06-30

PERDIDO KEY AREA CHAMBER OF COMMERCE, founded in 1983, is a small nonprofit in the Community Improvement sector that reported $279K in total revenue in fiscal year 2023. Revenue grew 10% year-over-year, indicating healthy expansion. Expenses of $256K left a modest 8% surplus.

Mission

Working together with local businesses to build a healthy economy and improve the quality of life in the community

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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 $198,524

Program Service Revenue $79,133

Investment Income $1,655

Other Revenue $0

TOTAL REVENUE $279,312

Expense Breakdown

Grants Paid $0

Salaries & Benefits $148,169

Fundraising Expenses $0

Program Expenses $65,677

Other Expenses $107,847

TOTAL EXPENSES $256,016

Year-over-Year Comparison

	2023	2022	Change
Revenue	$279,312	$252,890	+0.1%
Expenses	$256,016	$245,664	+0.0%
Net Income	$23,296	$7,226	+2.2%

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

$52,000

Total Directors

Key Employees

$56,096

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TAMMY THUROW	President	40.00	Officer	$52,000	$0	$52,000
MADELYN BELL	Membership Manager	20.00	Key Emp	$20,096	$0	$20,096
LORI RAISCH	Event Coordinator	20.00		$8,477	$0	$8,477
MARK RAHMLOW	Assistant	36.00	Key Emp	$36,000	$0	$36,000

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
2024	$279,312	$256,016	$153,928	$23,296
2023	$252,890	$245,664	$122,721	$7,226
2022	$222,734	$266,134	$120,803	$-43,400
2021	$191,540	$203,559	$169,215	$-12,019
2020	$173,603	$285,569	$161,887	$-111,966
2019	$295,637	$296,218	$250,687	$-581

PERDIDO KEY AREA CHAMBER OF COMMERCE