Gulf Breeze Area Chamber of Commerce Foundation Inc (EIN 823937409) - 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

2018

Legal Domicile

Principal Officer

Grace Carbaugh

Phone

8509327888

Tax Period

2024-01-01 to 2024-12-31

Gulf Breeze Area Chamber of Commerce Foundation Inc, founded in 2018, is a micro nonprofit in the Philanthropy & Grantmaking sector that reported $79K in total revenue in fiscal year 2024. Revenue surged 29% from the prior year, signaling strong growth momentum. The organization ran a surplus of $27K, a strong 34% operating margin.

Mission

Enhancing community and commerce through a legacy of advocacy and philanthropy.

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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 (2024)

Revenue Breakdown

Contributions & Grants $950

Program Service Revenue $78,489

Investment Income $1

Other Revenue $0

TOTAL REVENUE $79,440

Expense Breakdown

Grants Paid $0

Salaries & Benefits $0

Fundraising Expenses $0

Program Expenses $52,227

Other Expenses $52,227

TOTAL EXPENSES $52,227

Year-over-Year Comparison

	2024	2023	Change
Revenue	$79,440	$61,644	+0.3%
Expenses	$52,227	$48,712	+0.1%
Net Income	$27,213	$12,932	+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

N/A

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

Key Employees

Highest Compensated

reported

Name	Title	Hours/Week	Role	Reportable Comp	Other Comp	Total
Jodi Bell	Chairman	2.00	Officer Director	$0	$0	$0
Jeremy Carver	Vice Chair	2.00	Officer Director	$0	$0	$0
Grace Carbaugh	CEO & Secretary	2.00	Officer Director	$0	$0	$0
Maggie Gray	Director (non-voting)	1.00	Director	$0	$0	$0
Holly Jurnovoy	Director	1.00	Director	$0	$0	$0
Regina Wright	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	$79,440	$52,227	$71,456	$27,213
2023	$61,644	$48,712	$44,243	$12,932
2022	$42,265	$43,047	$32,311	$-782
2021	$21,510	$15,518	$32,093	$5,992
2020	$29,492	$16,696	$26,101	$12,796
2019	$38,848	$26,347	$13,305	$12,501

Gulf Breeze Area Chamber of Commerce Foundation Inc