CLEARWATER BEACH CHAMBER OF COMMERCE INC (EIN 593353083) - 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

1995

Legal Domicile

Principal Officer

MARY REISCHMANN

Phone

7274477600

Tax Period

2019-01-01 to 2019-09-30

CLEARWATER BEACH CHAMBER OF COMMERCE INC, founded in 1995, is a small nonprofit that reported $380K in total revenue in fiscal year 2019. Revenue fell 36% from the prior year — a significant decline worth monitoring.

Mission

THE PRIMARY GOAL OF THE CHAMBER IS TO PROMOTE TOURISM AND ENCOURAGE THE ECONOMIC DEVELOPMENT OF MEMBER BUSINESSES WITHIN THE CLEARWATER BEACH 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 (2019)

Revenue Breakdown

Contributions & Grants $91,837

Program Service Revenue $187,352

Investment Income $523

Other Revenue $100,073

TOTAL REVENUE $379,785

Expense Breakdown

Grants Paid $0

Salaries & Benefits $183,273

Fundraising Expenses $0

Program Expenses $337,379

Other Expenses $218,165

TOTAL EXPENSES $401,438

Year-over-Year Comparison

	2019	2018	Change
Revenue	$379,785	$590,775	-0.4%
Expenses	$401,438	$527,995	-0.2%
Net Income	$-21,653	$62,780	-1.3%

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

$50,001

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
AMANDA PAYNE	CEO	20.00	Officer	$50,001	$0	$50,001
SHERII AGUILAR	DIRECTOR	1.00	Director	$0	$0	$0
JAY CABRAL	DIRECTOR	1.00	Director	$0	$0	$0
STEVE CHANDLER	DIRECTOR	1.00	Director	$0	$0	$0
JOSEPH CHANEY	DIRECTOR	1.00	Director	$0	$0	$0
KELLY CLARK	DIRECTOR	1.00	Director	$0	$0	$0
SHERI HEILMAN	MEMBER AT-LA	1.00	Director	$0	$0	$0
MIKE HENKEL	DIRECTOR	1.00	Director	$0	$0	$0
MIKE MASTRUSERIO	MEMBER AT-LA	1.00	Director	$0	$0	$0
DAN MCDONOUGH	DIRECTOR	1.00	Director	$0	$0	$0
CAROL MEARS	DIRECTOR	1.00	Director	$0	$0	$0
BILL POTTS	DIRECTOR	1.00	Director	$0	$0	$0
DOMINIC PROVENZANO	DIRECTOR	1.00	Director	$0	$0	$0
MARY REISCHMANN	PAST CHAIRMA	1.00	Director	$0	$0	$0
SHELLEY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS THORN	DIRECTOR	1.00	Director	$0	$0	$0
EMIL VELTRE	DIRECTOR	1.00	Director	$0	$0	$0
PAM WOZENCRAFT	DIRECTOR	1.00	Director	$0	$0	$0
MIGUEL DIAZ	TREASURER	1.00	Officer	$0	$0	$0
LYNNE GRANT	SECRETARY	1.00	Officer	$0	$0	$0
JULI NORBERG	VICE CHAIRMA	1.00	Officer	$0	$0	$0
JASON ZELENAK	CHAIRMAN	1.00	Officer	$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
2019	$379,785	$401,438	No data	$-21,653
2018	$590,775	$527,995	$379,259	$62,780

CLEARWATER BEACH CHAMBER OF COMMERCE INC