NORTH BALDWIN CHAMBER OF COMMERCE (EIN 630255251) - Form 990 Financial Analysis & Trantor Score

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Tuckman-Chang Vulnerability Assessment

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year

1962

Legal Domicile

Principal Officer

KRISTINA PITTMAN

Phone

2519375665

Tax Period

2024-01-01 to 2024-12-31

NORTH BALDWIN CHAMBER OF COMMERCE, founded in 1962, is a small nonprofit in the Community Improvement sector that reported $208K in total revenue in fiscal year 2018. Revenue grew 14% year-over-year, indicating healthy expansion.

Mission

THE NORTH BALDWIN CHAMBER OF COMMERCE IS A BUSINESS FOCUSED, MEMBER SUPPORTED ORGANIZATION THAT WORKS WITH THE COMMUNITY TO DEVELOP SUSTAINABLE ECONOMIC GROWTH AND TO ENHANCE THE QUALITY OF LIFE FOR ALL RESIDENTS, BUSINESS OWNERS AND EMPLOYEES.

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Trantor Score

Financial Health & Payment Capacity Assessment (FICO Scale: 300–850)

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

Financial Overview (2024)

Revenue Breakdown

Contributions & Grants $97,909

Program Service Revenue $89,558

Investment Income $2,239

Other Revenue $24,518

TOTAL REVENUE $214,224

Expense Breakdown

Grants Paid $0

Salaries & Benefits $146,794

Fundraising Expenses $0

Program Expenses $48,300

Other Expenses $86,359

TOTAL EXPENSES $233,153

Year-over-Year Comparison

	2024	2023	Change
Revenue	$214,224	$244,824	-0.1%
Expenses	$233,153	$242,065	0.0%
Net Income	$-18,929	$2,759	-7.9%

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

N/A

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
FELISHA ANDERSON	BOARD MEMBER	N/A	Director	$0	$0	$0
CHRIS ANDREOLI	BOARD MEMBER	N/A	Director	$0	$0	$0
KENNY BREAL	BOARD MEMBER	N/A	Director	$0	$0	$0
SARA DAVIS	BOARD MEMBER	N/A	Director	$0	$0	$0
LATISHA FRYE	BOARD MEMBER	N/A	Director	$0	$0	$0
CECILIA HAMMOND	CHAIRMAN	N/A	Officer Director	$0	$0	$0
KASEY HENDERSON	BOARD MEMBER	N/A	Director	$0	$0	$0
MELISSA HOLLINGSWORTH	TREASURER	N/A	Officer Director	$0	$0	$0
ROB KARCZ	VICE CHAIRMA	N/A	Officer Director	$0	$0	$0
CRYSTAL PEAVY	BOARD MEMBER	N/A	Director	$0	$0	$0
MELISSA GAINES PHILLIPS	BOARD MEMBER	N/A	Director	$0	$0	$0
JEFFERY SCHMITZ	BOARD MEMBER	N/A	Director	$0	$0	$0
AMANDA SELPH	BOARD MEMBER	N/A	Director	$0	$0	$0
HEATHER SINGLETON	SECRETARY	N/A	Officer Director	$0	$0	$0
LISA YOKLEY	BOARD MEMBER	N/A	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
2025	No data	No data	No data	No data
2024	$214,224	$233,153	$93,235	$-18,929
2023	$244,824	$242,065	$115,607	$2,759
2022	$197,610	$191,573	$111,979	$6,037
2021	$224,575	$220,987	$110,171	$3,588
2020	$210,292	$221,160	$110,862	$-10,868
2019	$207,758	$220,202	$114,314	$-12,444
2018	$207,502	$224,582	$120,621	$-17,080

NORTH BALDWIN CHAMBER OF COMMERCE