CHAMBER OF COMMERCE OF SEMINOLE (EIN 730441200) - 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

1937

Legal Domicile

Principal Officer

AMY BRITT

Phone

4053823640

Tax Period

2025-01-01 to 2025-12-31

CHAMBER OF COMMERCE OF SEMINOLE, founded in 1937, is a small nonprofit that reported $160K in total revenue in fiscal year 2025. Revenue fell 54% from the prior year — a significant decline worth monitoring. Net assets of $368K represent 28 months of operating reserves.

Mission

FURTHER ECONOMIC GROWTH AND DEVELOPMENT OF 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 (2025)

Revenue Breakdown

Contributions & Grants $114,054

Program Service Revenue $15,390

Investment Income $9,668

Other Revenue $20,863

TOTAL REVENUE $159,975

Expense Breakdown

Grants Paid $0

Salaries & Benefits $76,636

Fundraising Expenses $0

Other Expenses $94,349

TOTAL EXPENSES $170,985

Year-over-Year Comparison

	2025	2024	Change
Revenue	$159,975	$346,210	-0.5%
Expenses	$170,985	$171,223	0.0%
Net Income	$-11,010	$174,987	-1.1%

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

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

$60,883

Total Directors

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
CHRIS MOORE	CHAIR	1.00	Officer Director	$0	$0	$0
RODNEY SUTTERFIELD	PAST CHAIR	1.00	Officer Director	$0	$0	$0
ZAC RICHARDSON	CHAIR ELECT	1.00	Officer Director	$0	$0	$0
MARGARET SCALLORN	VICE CHAIR	1.00	Officer Director	$0	$0	$0
MITCH ENOS	TREASURER	1.00	Officer Director	$0	$0	$0
KRISTA STAPP	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTY GEHR	DIRECTOR	1.00	Director	$0	$0	$0
CLINT REITZ	DIRECTOR	1.00	Director	$0	$0	$0
WHITNEY ROBERTSON	DIRECTOR	1.00	Director	$0	$0	$0
DARREN FREDERICK	DIRECTOR	1.00	Director	$0	$0	$0
MICHA BAKER	DIRECTOR	1.00	Director	$0	$0	$0
JAMIE CARTER	DIRECTOR	1.00	Director	$0	$0	$0
BRENT HOSKISON	DIRECTOR	1.00	Director	$0	$0	$0
SHELLY POGUE	DIRECTOR	1.00	Director	$0	$0	$0
CARL ODOM	DIRECTOR	1.00	Director	$0	$0	$0
BETTY SMITH	DIRECTOR	1.00	Director	$0	$0	$0
AMY BRITT	EXECUTIVE DIRECTOR	40.00	Officer	$60,883	$0	$60,883

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	$159,975	$170,985	$370,739	$-11,010
2024	$346,210	$171,223	$381,839	$174,987
2023	$194,493	$166,598	$304,253	$27,895
2022	$207,530	$200,967	$288,296	$6,563
2021	$216,836	$225,313	$293,652	$-8,477
2020	$203,011	$161,249	$314,778	$41,762
2019	$208,368	$183,579	$280,587	$24,789
2018	$213,552	$210,210	$281,315	$3,342

CHAMBER OF COMMERCE OF SEMINOLE