INGLESIDE 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

1982

Legal Domicile

Principal Officer

BARBARA GREGG

Phone

3617762906

Tax Period

2023-10-01 to 2024-09-30

INGLESIDE CHAMBER OF COMMERCE, founded in 1982, is a small nonprofit in the Community Improvement sector that reported $418K in total revenue in fiscal year 2023. Revenue decreased 7% compared to the prior year.

Mission

TO PROVIDE OPPORTUNITIES AND TO BUILD RELATIONSHIPS IN ORDER TO HELP OUR BUSINESSES AND COMMUNITY PROSPER.

Program Service Accomplishments

Program 1

Expenses: $98,719

THE VISITOR CENTER SERVES AS A HUB TO PROVIDE INFORMATION TO VISITORS WITH "WHERE TO GO AND "WHAT TO SEE" IN THE AREA. IT ALSO SERVES MEMBERS BY PUBLISHING A DIRECTORY OF MEMBERS. THE CENTER IS OPEN...

Program 2

Expenses: $202,457

THE CHAMBER HOSTS SEVERAL ANNUAL COMMUNITY EVENTS INCLUDING INGLESIDE ROUND-UP DAYS, LIGHT UP LIVE OAK PARK, BEST OF THE BAY BBQ COOKOFF, AND SMOKIN TIRES CAR SHOW.

Program 3

Expenses: $135,547

CHAMBER LUNCHEONS AND AFTER-HOUR MIXERS ARE HELD QUARTERLY. LOCAL BUSINESSMEN AND WOMENY AND GOVERNMENTAL OFFICAIALS ARE INVITED TO SPEAK. THIS ENABLES MEMBERS TO NETWORK. THE CHAMBER HOSTS AN ANNUAL BANQUET. AWARDS ARE PRESENTED AT THE BANQUET FOR "BUSINESS OF THE YEAR," (LARGE AND SMALL BUSINESSES), "CITIZEN OF THE YEAR" ALONG WITH OTHER AWARDS. AND VOLUNTEERS ARE RECOGNIZED.

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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 (2023)

Revenue Breakdown

Contributions & Grants $243,343

Program Service Revenue $173,936

Investment Income $229

Other Revenue $0

TOTAL REVENUE $417,508

Expense Breakdown

Grants Paid $0

Salaries & Benefits $127,576

Fundraising Expenses $0

Program Expenses $436,723

Other Expenses $309,147

TOTAL EXPENSES $436,723

Year-over-Year Comparison

	2023	2022	Change
Revenue	$417,508	$447,836	-0.1%
Expenses	$436,723	$480,832	-0.1%
Net Income	$-19,215	$-32,996	-0.4%

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

N/A

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

$50,000

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
TIM MCMINN	TREASURER	2.00	Officer Director	$0	$0	$0
MARTIN DE LOS SANTOS	DIRECTOR	1.00	Director	$0	$0	$0
STEVE EDLIN	PAST CHAIRMAN	1.00	Officer Director	$0	$0	$0
JOEY FRANCO	DIRECTOR	1.00	Director	$0	$0	$0
JOHNATHAN ECHOLS	CHAIRMAN	4.00	Officer Director	$0	$0	$0
KELSEY PICOU	SECRETARY	2.00	Officer Director	$0	$0	$0
STEVE CANNON	DIRECTOR	1.00	Director	$50,000	$0	$50,000
GARY DAVIS	DIRECTOR	1.00	Director	$0	$0	$0
HOWARD GILLESPIE	DIRECTOR	1.00	Director	$0	$0	$0
BELINDA DELEON	DIRECTOR	1.00	Director	$0	$0	$0
CHRISTIN ROSAS	DIRECTOR	1.00	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	$417,508	$436,723	$41,270	$-19,215
2023	$447,836	$480,832	$64,417	$-32,996
2022	$180,750	$183,525	$91,871	$-2,775
2021	$249,909	$245,835	$94,536	$4,074
2020	$166,503	$167,179	$75,808	$-676
2019	$356,598	$455,312	$80,009	$-98,714
2018	$307,076	$292,939	$176,859	$14,137