CAMARA DE COMERCIO LATINA DE MIAMI BEACH MIAMI BEACH LATIN CHAMBER OF COMMERCE (EIN 650288999) - 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

GRACE CALVANI

Phone

3055104042

Tax Period

2020-10-01 to 2021-09-30

CAMARA DE COMERCIO LATINA DE MIAMI BEACH MIAMI BEACH LATIN CHAMBER OF COMMERCE, founded in 1988, is a micro nonprofit that reported $4K in total revenue in fiscal year 2020. Revenue fell 43% from the prior year — a significant decline worth monitoring. Expenses of $9K exceeded revenue, resulting in a 145% operating deficit.

Mission

PARTICIPATE IN COMMUNITY ACTIVITIES DESIGNED TO BENEFIT BUSINESS DEVELOPMENT AND THE OVERALL ECONOMY AND WELFARE OF RESIDENTS OF MIAMI 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 (2020)

Revenue Breakdown

Contributions & Grants $3,500

Program Service Revenue $0

Investment Income $0

Other Revenue $0

TOTAL REVENUE $3,500

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Other Expenses $8,590

TOTAL EXPENSES $8,590

Year-over-Year Comparison

	2020	2019	Change
Revenue	$3,500	$6,180	-0.4%
Expenses	$8,590	$12,019	-0.3%
Net Income	$-5,090	$-5,839	-0.1%

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
JULIO FABRE	Chairman	15.00	Director	$0	$0	$0
LIZBETH VERJANO	Secretary	5.00	Director	$0	$0	$0
LUCY DELGADO	Treasurer	5.00	Director	$0	$0	$0
GRACE CALVANI	President	40.00	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
2021	$3,500	$8,590	No data	$-5,090
2020	$6,180	$12,019	$5,090	$-5,839

CAMARA DE COMERCIO LATINA DE MIAMI BEACH MIAMI BEACH LATIN CHAMBER OF COMMERCE