BILOXI BAY AREA CHAMBER OF COMMERCE

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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

1991

Legal Domicile

Principal Officer

TINA ROSS-SEAMANS

Phone

2284356149

Tax Period

2022-01-01 to 2022-12-31

BILOXI BAY AREA CHAMBER OF COMMERCE, founded in 1991, is a small nonprofit in the Community Improvement sector that reported $120K in total revenue in fiscal year 2022. Revenue fell 20% from the prior year — a significant decline worth monitoring.

Mission

TO ENCOURAGE, PROMOTE AND ENHANCE THE ECONOMIC POSTURE, ENVIRONMENT, AND CULTURAL HERITAGE OF THE BILOXI BAY REGION ON THE MISSISSIPPI GULF COAST.

Program Service Accomplishments

Program 1

Expenses: $15,228

"STATE OF THE CITY" ANNUAL BUSINESS LUNCHEON WITH GUEST SPEAKER. THE MAYOR OF THE CITY OF BILOXI GIVES THE MEMBERS AND BUSINESS COMMUNITY AN OUTLINE OF THE CURRENT STATE OF AFFAIRS IN THE CITY OF...

"STATE OF THE CITY" ANNUAL BUSINESS LUNCHEON WITH GUEST SPEAKER. THE MAYOR OF THE CITY OF BILOXI GIVES THE MEMBERS AND BUSINESS COMMUNITY AN OUTLINE OF THE CURRENT STATE OF AFFAIRS IN THE CITY OF BILOXI INCLUDING PROJECTS IN CATEGORIES SUCH AS TOURISM, INFRASTRUCTURE, CULTURAL, HERITAGE, PUBLIC SAFETY, ZONING AND GENERAL TAXES AND BUDGETARY MATTERS.

Program 2

Expenses: $1,935

SPECIAL PROJECTS - CRUISIN' THE COAST BLOCK PARTY, KREW OF BARKLOXI PAWRADE, ANNUAL MEMBERSHIP MEETING, CHRISTMAS PARTY, DON WYLIE MEMORIAL GOLF TOURNAMENT, BOO ON THE RUE.

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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 (2022)

Revenue Breakdown

Contributions & Grants $115,972

Program Service Revenue $0

Investment Income $4,281

Other Revenue $0

TOTAL REVENUE $120,253

Expense Breakdown

Grants Paid $0

Salaries & Benefits $86,378

Fundraising Expenses $0

Program Expenses $17,163

Other Expenses $45,179

TOTAL EXPENSES $131,557

Year-over-Year Comparison

	2022	2021	Change
Revenue	$120,253	$151,252	-0.2%
Expenses	$131,557	$122,195	+0.1%
Net Income	$-11,304	$29,057	-1.4%

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

Total Directors

$51,685

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
JORDAN CHURCH	PAST PRESIDENT	1.00	Officer Director	$0	$0	$0
MATTHEW BROOKS	PRESIDENT	2.00	Officer Director	$0	$0	$0
YVONNE GAYEWSKI	TREASURER	1.00	Officer Director	$0	$0	$0
ERIC SIEVERS	EXECUTIVE APPOINTEE	1.00	Officer Director	$0	$0	$0
JEAN MCGRURY	CULTURAL ARTS	1.00	Director	$0	$0	$0
LEE ANN DUBAZ	EDUCATION	1.00	Director	$0	$0	$0
KATE GUTIERREZ	PRESIDENT-ELECT	1.00	Director	$0	$0	$0
JIM CURTIS	GOVT AFFAIRS	1.00	Director	$0	$0	$0
MIRIAM CHONG	PUBLIC RELATIONS	1.00	Director	$0	$0	$0
AL HENRION	PUBLIC RELATIONS	1.00	Director	$0	$0	$0
JARED SEYMOUR	COMMUNITY DEVELOPMENT	1.00	Director	$0	$0	$0
STACY SPRADLIN	TOURISM/PROMOTION	1.00	Director	$0	$0	$0
CINDY DEFRANCES	DIRECTOR	1.00	Director	$0	$0	$0
ANNA HARRIS	COMMUNITY DEVELOPMENT	1.00	Director	$0	$0	$0
NICK MOODY	EXECUTIVE APPOINTEE	1.00	Director	$0	$0	$0
MARQUES THOMAS	DIRECTOR	1.00	Director	$0	$0	$0
WAYNE HENGEN	DIRECTOR	1.00	Director	$0	$0	$0
LEE ANN HUNTER	DIRECTOR	1.00	Director	$0	$0	$0
CAROL JOHNSON	DIRECTOR	1.00	Director	$0	$0	$0
TJ MORAN	DIRECTOR	1.00	Director	$0	$0	$0
DEEDEE MAY	DIRECTOR	1.00	Director	$0	$0	$0
ELIJAH MITCHELL	DIRECTOR	1.00	Director	$0	$0	$0
STACEY RILEY	DIRECTOR	1.00	Director	$0	$0	$0
PAUL TISDALE	DIRECTOR	1.00	Director	$0	$0	$0
GAYE WINTER	EDUCATION	1.00	Director	$0	$0	$0
CREE CANTREL	DIRECTOR	1.00	Director	$0	$0	$0
LYNN FRISBY	DIRECTOR	1.00	Director	$0	$0	$0
PAM HALL	DIRECTOR	1.00	Director	$0	$0	$0
KATIE KING	TOURISM/PROMOTION	1.00	Director	$0	$0	$0
PAT WYLIE	GOVT AFFAIRS	1.00	Director	$0	$0	$0
JENN HODA	CULTURAL ARTS	1.00	Director	$0	$0	$0
DWAYNE JORGENSEN	MEMBERSHIP/AMBASSADORS	1.00	Director	$0	$0	$0
JESSE HILL	DIRECTOR	1.00	Director	$0	$0	$0
CATHERINE SCHWARK	DIRECTOR	1.00	Director	$0	$0	$0
CHRIS VICKREY	DIRECTOR	1.00	Director	$0	$0	$0
JENNIFER SHERRY	DIRECTOR	1.00	Director	$0	$0	$0
LAURA BREELAND	DIRECTOR	1.00	Director	$0	$0	$0
THOMAS LYONS	DIRECTOR	1.00	Director	$0	$0	$0
CHELI STRUMLIA	DIRECTOR	1.00	Director	$0	$0	$0
RICK WILLIAMS	DIRECTOR	1.00	Director	$0	$0	$0
TINA ROSS-SEAMAS	EXECUTIVE DIRECTOR	40.00	Director	$51,685	$0	$51,685

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
2022	$120,253	$131,557	$156,221	$-11,304
2021	$151,252	$122,195	$166,063	$29,057
2020	$121,744	$127,715	$137,062	$-5,971
2019	$142,129	$139,889	$142,034	$2,240
2018	$120,215	$128,640	$139,242	$-8,425