CARRABELLE CHAMBER OF COMMERCE INC (EIN 810956784) - 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

2016

Legal Domicile

Principal Officer

HALL PENELOPE

Phone

8506972585

Tax Period

2022-01-01 to 2022-12-31

CARRABELLE CHAMBER OF COMMERCE INC, founded in 2016, is a micro nonprofit in the Community Improvement sector that reported $83K in total revenue in fiscal year 2022. Revenue decreased 7% compared to the prior year.

Mission

THE CHAMBER IS ORGANIZED TO PROMOTE THE GENERAL WELFARE & PROSPERITY OF THE AREA BUSINESS 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 (2022)

Revenue Breakdown

Contributions & Grants $10,797

Program Service Revenue $72,083

Investment Income $0

Other Revenue $0

TOTAL REVENUE $82,880

Expense Breakdown

Grants Paid $0

Salaries & Benefits $43,513

Fundraising Expenses $0

Program Expenses $73,397

Other Expenses $42,213

TOTAL EXPENSES $85,726

Year-over-Year Comparison

	2022	2021	Change
Revenue	$82,880	$89,201	-0.1%
Expenses	$85,726	$66,619	+0.3%
Net Income	$-2,846	$22,582	-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

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
HALL PENELOPE	PRESIDENT	3.00	Officer Director	$0	$0	$0
KLINKENBERG CLARK	VICE PRESIDE	1.00	Officer Director	$0	$0	$0
ROBISON DANYELLE	DIRECTOR	1.00	Director	$0	$0	$0
WILSON LULU	DIRECTOR	1.00	Director	$0	$0	$0
DICKERT VICKI	SECRETARY	1.00	Officer Director	$0	$0	$0
JOHNSON MERRIE	TREASURER	1.00	Officer Director	$0	$0	$0
KEITH-LUCAS LISA	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
2024	No data	No data	No data	No data
2023	No data	No data	No data	No data
2022	$82,880	$85,726	$56,887	$-2,846
2021	$89,201	$66,619	$59,164	$22,582
2020	$69,593	$53,949	$36,664	$15,644
2019	$73,061	$64,652	$21,934	$8,409
2018	$56,730	$53,764	$8,543	$2,966

CARRABELLE CHAMBER OF COMMERCE INC